Posted by William Charles on September 1, 2016
Credit Cards

Published on September 1st, 2016 | by William Charles


What Credit Bureau Does Bank of America Pull?


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.

42 Responses to What Credit Bureau Does Bank of America Pull?

  1. Rye says:


    BoA personal: EX
    BoA business: TU

  2. dan says:

    with a freeze on my EX, applied for CC of alaska & spirit with $100 stmt credit…went pending…called consideration…analyst said no decision b/c of the EX freeze…requested a pull from TU…after few minutes, got approved for both with a CL of 15K & 10K respectively

    wife, with the similar high credit score as mine w/o a freeze on EX, applied for both CCs…immediately got denied b/c of multiple other CCs & inquiries of late…spoke with analyst for recon, denied…requested another recon from a supervisor, still denied b/c of multiple inquiries…was told that the appl will stay on file for 90 days for a future recon if choose…after 90 days, need to start new appl

  3. dan says:

    Will or anyone, to be recon in future (next 30-60 days) in the wife’s case, any suggestion or tip to get approved? may be open a bank acct with BoA, or anything else? wonder if they offer any bonus for banking presently?

  4. Ted says:

    Personal and Business pulls different in NY. IIRC, it was EX for personal and TU and business

  5. MR says:

    I’m in Iowa and have applied for a rather large number of BofA cards over the past few years and they pull Experian consistently. The only exception was a TU pull when I applied for the Alaska Airlines Visa Business Card.

  6. Sk says:

    PA Data point
    2 personal Card applications EX
    1 personal card credit limit increase TU

  7. Kevin says:

    Here in Delaware it was EX for the card approval itself, TU for a CLI.

  8. Howard says:

    KS: All BOA EX
    for CLI if hard pull = Transunion

  9. Julie says:

    TN – Pulled EX for Alaska Airlines personal card

  10. Spencer says:

    Nevada DP:
    1 pull from Experian
    1 pull from TransUnion

    Both pulls the same day when I applied for Alaska Business and Personal cards. Unfortunately, for this reason, I don’t know which pull originated from which application.

    Last year my SO applied for a personal 1,2,3% cash back card and TU was pulled. So, my best guess is that the same happened here for me with these Alaska applications, and that the business app pulled Experian and personal pulled TU, pure speculation on this though.

  11. jcm says:

    Just FYI, the State Name for DC is “District of Columbia”, not “Capital”.

  12. Markie says:

    I was denied based on INQ through ARS recently from BofA according to denial letter last week.

    Guess I’ll need to finally freeze that and sage stream

  13. Ku says:

    From my experience and what I’ve seen from data points, BoA pulls EX for personal cards and either EQ or TU for business cards. I live in California and have two BoA cards.

    Cash Rewards – EX
    Alaska Biz – EQ

  14. Ken says:

    In June BOA pulled EX for my wife’s personal card, and we’re in CO.

  15. Mike says:

    In FL and another data point supporting Spencer’s post:

    Applied BOA Cash Rewards. Pulled EX at time of application. Received currently in review status. Decided to let it sit there for a day or two, 2 days later, pulled TU. FICO08 735 TU 758 EX. Became a denial with TU pull. Waiting for letter to see what the reasons were before going for recon. So, 2 pulls for 1 application. I’ll just freeze TU next time now that I know. No relationship with BOA, but have several 10k+ lines with USAA, Barclay, Fifth-Third, THD/Sears CBNA, etc.

  16. Diamond Vargas says:

    In New York, EX for personal and TU for business every time, probably 10 of each over the last 3 years.

  17. Ben says:

    In Minnesota-
    In bank application, Business Cash Rewards Sept. 2015- TU. Online MLB Rewards July 2016 EX.

  18. Mark Rex says:

    Bank of America – Indiana

    I opened the 123 card on 02/13/2013 – TU only Pull
    I opened the BBR card on 05/14/2015 – TU and EX pull (EQ was frozen)
    I applied for and app status says approved online for the NEA 123 card ($200 sign up bonus for .5k/3m spend (220 really because Ill transfer to BoA CK acc),12m 0%apr and a 2nd BBR (figured a 2nd app using 2BM and 1 HP was worth the chance of an additional $120/yr, 0%apr 9or12m?) yesterday 10/16/16 – EX only pull

    CLI on 7/8/14 and 7/9/14 (didnt know better then) was TU only pull
    CLI that I attempted hours ago on 10/17/16 (dunno why I didnt go after apps) said 7-30 days but no INQs reported afterwards

    I pulled my myprivacymatters 3B credit report just now to see how many INQs I got from the BoA 2 apps and 2 cli requests. Now it is Monday morning and I did the CLIs at 4am EST. I would think any HPs would be done right away but there may be some delay. Ill update this when there any changes. I pull my reports usually every day or 2. If nothing changes Ill confirm in a week.

  19. PD says:

    Indiana – Experian (yesterday) for Merrill Lynch card.

  20. Ferris says:

    In CA, did 2 business credit card apps online, got 1 TU pull

  21. Sarah says:

    Merrill+ in AZ = EX

  22. shulem92 says:

    DP bofa just pulled ex and eq for me in nj. more than one app

  23. MM says:

    BoA definitely still willing to pull an alternate bureau if their go-to for your area is frozen. They usuall pull EX for me but were willing to pull either EQ or TU (basically left it up to me).

  24. Miaochen Su says:

    BOA MA, one year ago,EX+TU, recently, EX only.

  25. Khaled says:

    I have Alaska Airline Credit card, threw BOM. I want to increase my credit limit for a thousand or two. Can they give me an increas based on my payment history only?
    and if not, what credit bureau they would do if i do request a credit increase?
    another question, is how can you freeze EX credit bureau? what you do or what you ask for? or can i do it online? if yes how or where i can do it?

  26. Scott says:

    NY (NYC)
    Pulled Experian for Merrill+

  27. Kaung says:

    Merrill+ – Georgia – Experian

  28. Yodeler says:

    In Oregon. BoA has pulled Experian twice for me now on both cards I have with them.

  29. MontyFC says:

    Froze EX and BoA pulled TU for me in California (ML+ card).

    Folks should try that if they want to spread HPs across different bureaus.

  30. Daniel says:

    Merrill+ – EX – CA

  31. germ says:

    VA, Merrill +, EX

  32. Nancy says:

    In CA, for Alaska personal, they pulled EX which was frozen. Called in, they won’t pull with a PIN but they would pull from TU instead.

  33. Frito Pendejo says:

    PA: EX

  34. M says:

    Utah: Alaska business card: Equifax. Personal card: Experian.

  35. Gadget says:

    Froze EX and EX pull was blocked. Virginia (Merrill+ card). Reps told me I had to unfreeze EX, otherwise they couldn’t proceed. I believed them, unfroze, & then called them back. While on phone, they pulled credit, and it came from TU. The reps don’t even know how their system works. Refroze EX, just in case they tried after I hung up, and they haven’t.

    Verified no EQ or EX pull, only TU. Winning! Approved – 15K limit.

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