What Credit Bureau Does U.S. Bank Pull?

Introduction

In this post we look at datapoints to see what credit bureau (or consumer reporting agency) U.S. Bank will pull for a credit card application based on the state you live in. We only looked at data points 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 89 data points sourced from the Credit Boards Credit Pull page. Of those applications:

  • 22 or ~24.7% of all applications pulled an Experian credit report
  • 21 or ~23.6%  of all applications pulled an Equifax credit report
  • 46 or ~51.7% of all applications pulled an TransUnion credit report
Abbrevation State Name Credit Bureau Pulled
AL Alabama  TU: 1
AK Alaska  N/A
AZ Arizona  TU: 1
AR Arkansas  N/A
CA California  EX: 5 EQ: 1 TU: 9
CO Colorado  EX: 4
CT Connecticut  N/A
DE Delaware  TU: 1
FL Florida  EQ: 1 TU: 2
GA Georgia  EX: 1 EQ: 3 TU: 2
HI Hawaii  N/A
ID Idaho  N/A
IL Illinois  EQ: 2 TU: 10
IN Indiana  TU: 2
IA Iowa  EQ: 2
KS Kansas  N/A
KY Kentucky  N/A
LA Louisiana  N/A
ME Maine  N/A
MD Maryland  EQ: 1
MA Massachusetts  EX: 1
MI Michigan  TU: 1
MN Minnesota  EX: 1 TU: 2
MS Mississippi  N/A
MO Missouri  EQ: 1
MT Montana  N/A
NE Nebraska  EQ: 1
NV Nevada  EX: 2
NH New Hampshire  EX: 1
NJ New Jersey  TU: 2 EX: 1
NM New Mexico  N/A
NY New York  EX: 3 TU: 2
NC North Carolina  EQ: 1
ND North Dakota  N/A
OH Ohio  TU: 4
OK Oklahoma  N/A
OR Oregon  TU: 4
PA Pennsylvania  TU: 2
RI Rhode Island  N/A
SC South Carolina  EQ: 1
SD South Dakota  EQ: 2
TN Tennessee  N/A
TX Texas  EX: 3 EQ: 5
UT Utah  TU: 1
VT Vermont  N/A
VA Virginia  N/A
WA Washington  TU: 1
WV West Virginia  N/A
WI Wisconsin  N/A
WY Wyoming  N/A
DC District Of Colombia  N/A

What Happens If Your Report Is Frozen?

U.S. bank will not agree to pull a different report if the one they want to pull is frozen according to a reader.

Our Verdict

TransUnion is the most pulled by U.S. bank, that’s a good thing considering is probably the least used credit bureaus by other card issuers. Also keep in mind that it’s usually a good idea to freeze your ARS & SageStream reports before applying for a U.S. Bank card. You can learn more about U.S. Bank cards by reading this post.

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Lana44
Lana44 (@guest_1788304)
January 29, 2024 23:06

1/18/24, NY: Applied for US Bank Shoppers Cash Rewards,

Pulled Experian on 1/18/24, was immediately approved and then later pulled Transunion on 1/25/24

A
A (@guest_1771845)
January 5, 2024 19:39

California
TU pulled for Skypass Business card

Jessica
Jessica (@guest_1712274)
October 9, 2023 23:05

US Bank pulled Equifax in VA for cash +

Bertha
Bertha (@guest_1709051)
October 4, 2023 20:12

In WI, US Bank pulls Transunion:
May 2023 US Bank Triple Cash Rewards Biz card
August 2021 US Bank Leverage Biz card
May 2021 US Bank Biz Cash Rewards card

Tom MacDonald
Tom MacDonald (@guest_1689809)
September 9, 2023 20:26

US Bank pulled Equifax for Shopper Card 5/2023

Matt
Matt (@guest_1689803)
September 9, 2023 20:13

PA:

USB pulled Experian for:

Shopper Cash Rewards 05/23
Altitude Connect 09/23

Alex
Alex (@guest_1595524)
April 11, 2023 16:13

NJ : Ex

tipndip
tipndip (@guest_1592571)
April 6, 2023 12:20

not sure if this counts as US Bank, as it’s serviced by Elan which is a subsidiary of US Bank, but:
NY – Fidelity Rewards Visa Signature – Experian – March 2023

Luke
Luke (@guest_1581327)
March 21, 2023 00:18

Applied UAC on 03/17/2023, pull EQ in GA. Not approved instantly.
Received email with approval on 03/20/2023, they pulled EQ again….

Is there a chance to dispute this? Duplicate pull for one card. Should I contact US bank or just dispute from EQ? Thanks!

Am
Am (@guest_1571846)
March 8, 2023 22:25

Applied 03/04/23 for Altitude Connect in Missouri, pulled Equifax.