Contents
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:
- 26Â 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 | Â TU: 6 |
| AK | Alaska | Â TU: 2 |
| AZ | Arizona | Â TU: 11 |
| AR | Arkansas | Â TU: 4 |
| CA | California (CA) | Â TU: 117Â EX: 2 EQ: 1 |
| CO | Colorado | Â TU: 11 |
| CT | Connecticut | Â TU: 6 |
| DE | Delaware | Â TU: 5 |
| FL | Florida | Â TU: 53Â EQ: 1 EX: 2 |
| GA | Georgia | Â TU: 27 EX: 2 EQ: 1 |
| HI | Hawaii | Â TU: 3 |
| ID | Idaho | Â TU: 1 EQ: 1 EX: 1 |
| IL | Illinois | Â TU: 23 |
| IN | Indiana | Â TU: 4 |
| IA | Iowa | Â TU: 2 |
| KS | Kansas | Â TU: 5 |
| KY | Kentucky | Â TU: 4 |
| LA | Louisiana | Â TU: 3 EX: 1 |
| ME | Maine | Â NI |
| MD | Maryland | Â TU: 11 |
| MA | Massachusetts | Â TU: 15 EX: 1 |
| MI | Michigan | Â TU: 17 EX: 1 |
| MN | Minnesota | Â TU: 11 |
| MS | Mississippi | Â TU: 3 |
| MO | Missouri | Â TU: 4 |
| MT | Montana | Â TU: 2 |
| NE | Nebraska | Â TU: 1 |
| NV | Nevada | Â TU: 16 |
| NH | New Hampshire | Â TU: 4 |
| NJ | New Jersey | Â TU: 11 EX: 3 |
| NM | New Mexico | Â TU: 2 |
| NY | New York | Â TU: 41 EX: 2 EQ: 3 |
| NC | North Carolina | Â TU: 19 EQ: 1 |
| ND | North Dakota | Â NI |
| OH | Ohio | Â TU: 11 |
| OK | Oklahoma | Â TU: 5 |
| OR | Oregon | Â TU: 8 |
| PA | Pennsylvania | Â TU: 13 EX: 1 EQ: 1 |
| RI | Rhode Island | Â TU: 1 |
| SC | South Carolina | Â TU: 5 |
| SD | South Dakota | Â TU: 2 |
| TN | Tennessee | Â TU: 1 |
| TX | Texas | Â TU: 67Â EX: 8 EQ: 1 |
| UT | Utah | Â TU: 2 |
| VT | Vermont | Â TU: 1 |
| VA | Virginia | Â TU: 12 EX: 1 |
| WA | Washington | TU: 23 EX: 1 |
| WV | West Virginia | Â NI |
| WI | Wisconsin | Â TU: 6 |
| WY | Wyoming | Â NI |
| DC | District Of Colombia | Â 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.
