Contents
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:
- 106Â 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 | Â EX: 2 |
AK | Alaska | Â EX: 1 |
AZ | Arizona | Â TU: 1 EQ: 1 |
AR | Arkansas | Â EX: 2 |
CA | California (CA) | Â EX: 15 TU: 6 EQ: 4 |
CO | Colorado | Â TU: 3 |
CT | Connecticut | Â TU: 1 |
DE | Delaware | Â EX: 1 TU: 1 |
FL | Florida | Â EX: 10 TU: 2 |
GA | Georgia | Â EX: 4 TU: 2 |
HI | Hawaii | Â EQ: 1 TU: 1 |
ID | Idaho | Â EX: 2 |
IL | Illinois | Â EX: 11 TU: 2 EQ: 1 |
IN | Indiana | Â NI |
IA | Iowa | Â NI |
KS | Kansas | Â NI |
KY | Kentucky | Â EX: 1 TU: 1 |
LA | Louisiana | Â EX: 1 TU: 2 EQ: 1 |
ME | Maine | Â NI |
MD | Maryland | Â EX: 1 TU: 2 |
MA | Massachusetts | Â EX: 7 TU: 3 |
MI | Michigan | Â EX: 1 TU: 3 |
MN | Minnesota | Â EQ: 1 |
MS | Mississippi | Â EX: 1 |
MO | Missouri | Â NI |
MT | Montana | Â NI |
NE | Nebraska | Â NI |
NV | Nevada | Â EX: 1 TU: 1 |
NH | New Hampshire | Â EX: 1 TU: 1 |
NJ | New Jersey | Â EX: 3 TU: 1 |
NM | New Mexico | Â NI |
NY | New York | Â EX: 5 TU: 3 EQ: 1 |
NC | North Carolina | Â EX: 3 TU: 2 EQ: 2 |
ND | North Dakota | Â NI |
OH | Ohio | Â NI |
OK | Oklahoma | Â NI |
OR | Oregon | EX: 1 TU: 2 |
PA | Pennsylvania | EX: 4 TU: 2 |
RI | Rhode Island | EX: 1 |
SC | South Carolina | Â EX: 1 TU: 1 |
SD | South Dakota | Â NI |
TN | Tennessee | Â NI |
TX | Texas | Â EX: 13 TU: 8 |
UT | Utah | Â NI |
VT | Vermont | Â NI |
VA | Virginia | Â EX: 1 |
WA | Washington | Â EX: 6 TU: 2 EQ: 2 |
WV | West Virginia | Â NI |
WI | Wisconsin | Â EQ: 1 |
WY | Wyoming | Â NI |
DC | District Of Colombia | Â 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.
Applied for BofA Premium Rewards on 3/16/24 in South Carolina. They pulled Experian.
Cash Rewards
Time: Jan 2022
State: CA
Agency: TU (EX frozen)
Same day 2nd App, no HP
I’m in Colorado and BofA pulled my Experian for the Customized Cash Rewards card.
Approved for AAA Member Rewards Visa
State: TX
Agency: EX
Approved for Cash Rewards Card
State: VA
Agency: TU
Experian was frozen before application, and Credit Karma shows double hard pulls with TU.
Thanks for the DP. I’m at 0/24 TU but 7/24 EX.
Cash Rewards
Agency: EX (Experian)
State: CA (California)
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.
I applied for a BoA Business Advantage Cash Rewards Mastercard.
LLC in WY, home address in CA
Hard pull at TransUnion
PS: The pull at TransUnion was blocked because of a freeze.
They successfully pulled from Experian.
BankAmericard, Approved instantly
Pulled Experian, TU and EQ both frozen
6/4/2020, MT, USA
Just applied for the BoA Business Advantage Cash Rewards in Maryland and they pulled TransUnion. Still pending approval