Posted by William Charles on September 6, 2016
Credit Cards

Published on September 6th, 2016 | by William Charles

16

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
AbbrevationState NameCredit Bureau Pulled
ALAlabama TU: 6
AKAlaska TU: 2
AZArizona TU: 11
ARArkansas TU: 4
CACalifornia (CA) TU: 117 EX: 2 EQ: 1
COColorado TU: 11
CTConnecticut TU: 6
DEDelaware TU: 5
FLFlorida TU: 53 EQ: 1 EX: 2
GAGeorgia TU: 27 EX: 2 EQ: 1
HIHawaii TU: 3
IDIdaho TU: 1 EQ: 1 EX: 1
ILIllinois TU: 23
INIndiana TU: 4
IAIowa TU: 2
KSKansas TU: 5
KYKentucky TU: 4
LALouisiana TU: 3 EX: 1
MEMaine NI
MDMaryland TU: 11
MAMassachusetts TU: 15 EX: 1
MIMichigan TU: 17 EX: 1
MNMinnesota TU: 11
MSMississippi TU: 3
MOMissouri TU: 4
MTMontana TU: 2
NENebraska TU: 1
NVNevada TU: 16
NHNew Hampshire TU: 4
NJNew Jersey TU: 11 EX: 3
NMNew Mexico TU: 2
NYNew York TU: 41 EX: 2 EQ: 3
NCNorth Carolina TU: 19 EQ: 1
NDNorth Dakota NI
OHOhio TU: 11
OKOklahoma TU: 5
OROregon TU: 8
PAPennsylvania TU: 13 EX: 1 EQ: 1
RIRhode Island TU: 1
SCSouth Carolina TU: 5
SDSouth Dakota TU: 2
TNTennessee TU: 1
TXTexas TU: 67 EX: 8 EQ: 1
UTUtah TU: 2
VTVermont TU: 1
VAVirginia TU: 12 EX: 1
WAWashingtonTU: 23 EX: 1
WVWest Virginia NI
WIWisconsin TU: 6
WYWyoming NI
DCDistrict 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.



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Ken
Ken

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

Tom
Tom

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

PD
PD

One more DP for Indiana being Transunion.

Jon
Jon

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

Sarah
Sarah

Arrival Plus in AZ = TU

Jon
Jon

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.

Jon
Jon

Forgot, this is NY

Austin
Austin

Kansas Transunion

Saf
Saf

CA: EX for me. First app with Barclays

William
William

CO: Pulled TU and EX for Arrival+ on 6/30. This was my first barclaycard CC.

Mo
Mo

MA, Pulled TU for jetBlue Plus.

Eric
Eric

Pulled TU in January 2018 for JetBlue plus in MS.

Jason Bennett
Jason Bennett

Live in Texas, pulled my TransUnion for a Mastercard

Andrew Donshik
Andrew Donshik

Another TU for CT

Jim
Jim

Any more recent DPs of folks in California? Seeing more Experian with Reddit DPs than Transunion, or so it seems…

Thanks

Balki
Balki

I’m in NY and applied for both the Arrival+ and Aviator Red on the same day. Originally 2 Transunion hits showed on my report but it appears as if they have been combined into 1.

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