Posted by William Charles on October 22, 2016
Credit Cards

Published on October 22nd, 2016 | by William Charles

31

What Credit Bureau Does Wells Fargo Pull?

Introduction

This post consolidates the datapoints we have on what credit bureau Wells Fargo will pull based on the state you live in. It’s based on data from 2014 onwards found on the CreditBoards credit pull database. 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 79 data points sourced from the Credit Boards Credit Pull page. Of those applications:

  • 37 or ~46.8% of all applications pulled an Experian credit report
  • 13 or ~16.5%  of all applications pulled an Equifax credit report
  • 29 or ~36.7% of all applications pulled an TransUnion credit report
AbbrevationState NameCredit Bureau Pulled
ALAlabama N/A
AKAlaska N/A
AZArizona EX: 3
ARArkansas N/A
CACalifornia EX: 9 TU: 2 EQ: 1
COColorado EQ: 2
CTConnecticut N/A
DEDelaware N/A
FLFlorida EX: 2 EQ: 1
GAGeorgia EX: 1 TU: 8
HIHawaii N/A
IDIdaho N/A
ILIllinois N/A
INIndiana N/A
IAIowa EX: 1
KSKansas N/A
KYKentucky N/A
LALouisiana EX: 2
MEMaine N/A
MDMaryland N/A
MAMassachusetts TU: 1
MIMichigan EQ: 1
MNMinnesota EX: 3
MSMississippi N/A
MOMissouri N/A
MTMontana N/A
NENebraska N/A
NVNevada EX: 2
NHNew Hampshire EX: 1
NJNew Jersey TU: 2
NMNew Mexico N/A
NYNew York EX: 3 EQ: 1
NCNorth Carolina EX: 1 EQ: 3 TU: 2
NDNorth Dakota N/A
OHOhio EX: 2 TU: 4
OKOklahoma N/A
OROregon EX: 1
PAPennsylvania EQ: 2 TU: 1
RIRhode Island N/A
SCSouth Carolina N/A
SDSouth Dakota N/A
TNTennessee TU: 1
TXTexas EX: 6 EQ: 1 TU: 7
UTUtah N/A
VTVermont N/A
VAVirginia TU: 2
WAWashington EQ: 1
WVWest Virginia N/A
WIWisconsin N/A
WYWyoming N/A
DCDistrict Of Colombia N/A

What Happens If Your Report Is Frozen?

We aren’t sure what happens if you have a frozen report with Wells Fargo, if you know then let us know in the comments.

Our Verdict

We don’t have a lot of data points for Wells Fargo, so make sure you share yours in the comments so that we can improve this resource.



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M
M

UT: Experian

Colin
Colin

NC: Experian

oli
oli

Propel WORLD
California: EQ

(and free EQ score that they used).

Ryan
Ryan

In CA for the Cash Wise, they initially pulled EX. then when I asked for a better starting CL they pulled TU.

John K
John K

IL: Equifax

Valuetraveleroz

OR.ex

Mike
Mike

UT: EX

Aaron
Aaron

I’m from Alabama.
Wells Fargo World Propel 2014 Equifax
Wells Fargo 365 2015 Equifax
Wells Fargo Dealership Services (Car Loan 2016) Equifax
Wells Fargo World Propel 2016 Equifax

Fiby

GA: TU

Gmoney
Gmoney

Just applied today for the Wells Fargo Visa Signature Card:

WA: EX

Aaron
Aaron

Just applied today for Wells Fargo Propel World with Experian Frozen and had experian pulled (TX). Called underwriting (apparently there’s a number reserved for bankers to call that connect directly, didn’t get it) and was told that they will only pull the same credit bureau requested and will not pull another one if requested. They additionally will not accept a pin and the only method to allow access is to completely lift the freeze.

Kurt
Kurt

Applied for Cash Wise 6/13/17. Pulled Experian in Colorado.

Kitipun
Kitipun

Applied for WellsFargo cash wise NYC and pulled from Equifax

Mark M
Mark M

Wells Fargo pulled Experian, when I recently sent in my pre qualified application. I had forgotten that my Experian was locked, the first decision was : Pending further review. (I received a sms from myfico, and was informed that WF was denied access to my file)
I unlocked my file and called WF credit department and give them my information and was approved for 5.5K

Edward
Edward

It’s funny to me that you know they are going to run your credit and you don’t lift the freeze beforehand then complain about the delay in processing. Even if you don’t know which bureau they are going to use ahead of time, it would make more sense to lift all 3 before you submit the app.

Edward is a douche
Edward is a douche

Do you even English? They weren’t complaining. “I had forgotten…”

Jeff H
Jeff H

Wells Fargo in branch (Metro Omaha Nebraska) – Experian HP 03/22/2018
Targeted 15 Month 0% APR instead of 12 months. CashWise Visa
Instantly approved $13.5K

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