What Credit Bureau Does Bank of America Pull?

Introduction

Find out what credit bureau (formally known as consumer reporting agencies) Bank of America pulls for credit card applications. For the purposes of this post, we only looked at data from 2014 onwards.

You can also read other posts in this series by clicking below:

Table Key & Combined Stats

To keep things easy, we will use the following acronyms.

EX = Experian
EQ = Equifax
TU = TransUnion
NI = No information

The number next to the acronym represents the number of data points we have. In total we have 129 data points sourced from the Credit Boards Credit Pull page. Of those applications:

  • 106 or ~82.17% of all applications pulled an Experian credit report
  • 9 or ~6.98%  of all applications pulled an Equifax credit report
  • 14 or ~10.85% of all applications pulled an TransUnion credit report

 

Abbrevation State Name Credit Bureau Pulled
AL Alabama  EX: 2
AK Alaska  EX: 1
AZ Arizona  TU: 1 EQ: 1
AR Arkansas  EX: 2
CA California (CA)  EX: 15 TU: 6 EQ: 4
CO Colorado  TU: 3
CT Connecticut  TU: 1
DE Delaware  EX: 1 TU: 1
FL Florida  EX: 10 TU: 2
GA Georgia  EX: 4 TU: 2
HI Hawaii  EQ: 1 TU: 1
ID Idaho  EX: 2
IL Illinois  EX: 11 TU: 2 EQ: 1
IN Indiana  NI
IA Iowa  NI
KS Kansas  NI
KY Kentucky  EX: 1 TU: 1
LA Louisiana  EX: 1 TU: 2 EQ: 1
ME Maine  NI
MD Maryland  EX: 1 TU: 2
MA Massachusetts  EX: 7 TU: 3
MI Michigan  EX: 1 TU: 3
MN Minnesota  EQ: 1
MS Mississippi  EX: 1
MO Missouri  NI
MT Montana  NI
NE Nebraska  NI
NV Nevada  EX: 1 TU: 1
NH New Hampshire  EX: 1 TU: 1
NJ New Jersey  EX: 3 TU: 1
NM New Mexico  NI
NY New York  EX: 5 TU: 3 EQ: 1
NC North Carolina  EX: 3 TU: 2 EQ: 2
ND North Dakota  NI
OH Ohio  NI
OK Oklahoma  NI
OR Oregon EX: 1 TU: 2
PA Pennsylvania EX: 4 TU: 2
RI Rhode Island EX: 1
SC South Carolina  EX: 1 TU: 1
SD South Dakota  NI
TN Tennessee  NI
TX Texas  EX: 13 TU: 8
UT Utah  NI
VT Vermont  NI
VA Virginia  EX: 1
WA Washington  EX: 6 TU: 2 EQ: 2
WV West Virginia  NI
WI Wisconsin  EQ: 1
WY Wyoming  NI
DC District Of Colombia  EX: 1

What Happens If Your Report Is Frozen?

There is mixed reports with Bank of America, some say they will pull another report if yours is frozen and other say they won’t. But the most recent data points suggest that they will.

Our Verdict

Looks like in most states that Experian will be used, although occasionally your TransUnion or Equifax report will be used instead. I hope this is useful to some people.

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77 Comments
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AA
AA (@guest_1815309)
March 17, 2024 13:12

Applied for BofA Premium Rewards on 3/16/24 in South Carolina. They pulled Experian.

Y
Y (@guest_1399552)
June 24, 2022 01:29

Cash Rewards
Time: Jan 2022
State: CA
Agency: TU (EX frozen)

Same day 2nd App, no HP

Casey
Casey (@guest_1341724)
March 2, 2022 18:31

I’m in Colorado and BofA pulled my Experian for the Customized Cash Rewards card.

007
007 (@guest_1232720)
August 2, 2021 13:00

Approved for AAA Member Rewards Visa
State: TX
Agency: EX

random52
random52 (@guest_1232109)
July 31, 2021 16:55

Approved for Cash Rewards Card
State: VA
Agency: TU
Experian was frozen before application, and Credit Karma shows double hard pulls with TU.

Rick
Rick (@guest_1350381)
March 19, 2022 20:15

Thanks for the DP. I’m at 0/24 TU but 7/24 EX.

Austin
Austin (@guest_1160441)
March 13, 2021 14:18

Cash Rewards
Agency: EX (Experian)
State: CA (California)

Scotty
Scotty (@guest_1153584)
March 3, 2021 03:30

Biz cash rewards march 2021 pulled TU in MA. EX was frozen but was auto approved instantly. Separately in late 2019 premium rewards denied but pulled EX in MA.

Quinn
Quinn (@guest_1153379)
March 2, 2021 18:13

I applied for a BoA Business Advantage Cash Rewards Mastercard.
LLC in WY, home address in CA
Hard pull at TransUnion

Quinn
Quinn (@guest_1153382)
March 2, 2021 18:18

PS: The pull at TransUnion was blocked because of a freeze.
They successfully pulled from Experian.

Steve
Steve (@guest_952625)
April 6, 2020 05:45

BankAmericard, Approved instantly
Pulled Experian, TU and EQ both frozen
6/4/2020, MT, USA

Ken
Ken (@guest_951071)
April 3, 2020 11:28

Just applied for the BoA Business Advantage Cash Rewards in Maryland and they pulled TransUnion. Still pending approval