What Credit Bureau Does Capital One Pull?

What Bureau Do They Pull?

Unlike other card issuers, it isn’t necessary to look at data for each state when it comes to Capital One and what credit bureau they will pull. That’s because unfortunately they will pull credit reports from TransUnion, Equifax & Experian. It isn’t clear why Capital One does a triple pull when other banks usually only pull one of your credit reports.

Most likely it’s due to the fact that focus on consumers with sub prime credit and want to reduce their risk by getting the most complete information possible.

You can read other posts in this series by clicking below:

• American Express
• Bank of America
• Barclaycard
• Chase
• Citi
• Discover
• U.S. Bank
• Wells Fargo

What Happens If Your Report Is Frozen?

If you have one of your reports frozen, it’s still possible to get approved for credit cards with Capital One. In fact it’s still possible to get instant approval. If you have more than one report frozen, then it won’t work. From the data we’ve seen you can have Experian or TransUnion frozen, but never Equifax. More information can be viewed here. 

Our Verdict

The fact that Capital One does this triple pull (or even double pull with one report frozen) makes them a less attractive option for most people chasing sign up bonuses. That being said, as other banks crack down on their application rules it’s likely that cards from Capital One will become more attractive. I’d recommend reading this post for more information about Capital One credit cards.