Posted by William Charles on September 6, 2016
Credit Cards

Published on September 6th, 2016 | by William Charles

8

What Credit Bureau Does Barclaycard Pull?

Introduction

Find out what credit bureau (formally known as consumer reporting agencies) Barclaycard 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 639 data points sourced from the Credit Boards Credit Pull page. Of those applications:

  • 26 or ~4.31% of all applications pulled an Experian credit report
  • 10 or ~1.56%  of all applications pulled an Equifax credit report
  • 603 or ~94.37% of all applications pulled an TransUnion credit report
  • Some of the time when another bureau was pulled other than TransUnion, they also pulled TransUnion
Abbrevation State Name Credit Bureau Pulled
AL Alabama  TU: 6
AK Alaska  TU: 2
AZ Arizona  TU: 11
AR Arkansas  TU: 4
CA California (CA)  TU: 117 EX: 2 EQ: 1
CO Colorado  TU: 11
CT Connecticut  TU: 6
DE Delaware  TU: 5
FL Florida  TU: 53 EQ: 1 EX: 2
GA Georgia  TU: 27 EX: 2 EQ: 1
HI Hawaii  TU: 3
ID Idaho  TU: 1 EQ: 1 EX: 1
IL Illinois  TU: 23
IN Indiana  TU: 4
IA Iowa  TU: 2
KS Kansas  TU: 5
KY Kentucky  TU: 4
LA Louisiana  TU: 3 EX: 1
ME Maine  NI
MD Maryland  TU: 11
MA Massachusetts  TU: 15 EX: 1
MI Michigan  TU: 17 EX: 1
MN Minnesota  TU: 11
MS Mississippi  TU: 3
MO Missouri  TU: 4
MT Montana  TU: 2
NE Nebraska  TU: 1
NV Nevada  TU: 16
NH New Hampshire  TU: 4
NJ New Jersey  TU: 11 EX: 3
NM New Mexico  TU: 2
NY New York  TU: 41 EX: 2 EQ: 3
NC North Carolina  TU: 19 EQ: 1
ND North Dakota  NI
OH Ohio  TU: 11
OK Oklahoma  TU: 5
OR Oregon  TU: 8
PA Pennsylvania  TU: 13 EX: 1 EQ: 1
RI Rhode Island  TU: 1
SC South Carolina  TU: 5
SD South Dakota  TU: 2
TN Tennessee  TU: 1
TX Texas  TU: 67 EX: 8 EQ: 1
UT Utah  TU: 2
VT Vermont  TU: 1
VA Virginia  TU: 12 EX: 1
WA Washington TU: 23 EX: 1
WV West Virginia  NI
WI Wisconsin  TU: 6
WY Wyoming  NI
DC District Of Colombia  TU: 2

What Happens If Your Report Is Frozen?

Honestly with Barclaycard we aren’t sure. This is because Barclaycard pretty much always pulls your TransUnion credit report and for most people this is their least used credit report, so there is no reason they would want to freeze it.

Our Verdict

Basically when it comes to Barclaycard, it’s almost certain they will pull your TransUnion credit report. This is really worth keeping in mind as most other card issuers use Experian or Equifax, so it’s nice to spread out your hard inquiries onto your TransUnion credit report. For more information on Barclaycard credit cards, I’d recommend reading this post.



8 Responses to What Credit Bureau Does Barclaycard Pull?

  1. Ken says:

    Another for TU in CO for an Arrival+ card back in July.

  2. Tom says:

    January 18, 2017: NJ – TU (JetBlue Plus & Aviator Red – combined pull)

  3. PD says:

    One more DP for Indiana being Transunion.

  4. Jon says:

    Can I freeze Experian and apply for Barclay to increase the chances to get pulled for TU?

  5. Sarah says:

    Arrival Plus in AZ = TU

  6. Jon says:

    Applied for Arrival+ in May 2016, pulled TU;
    Applied for AAdavantage last month (Feb 2017), pulled EX and was denied.

    Thinking about freezing EX then applying again. Will update my results.

  7. Austin says:

    Kansas Transunion

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