Which Credit Bureau Does Each Card Issuer Pull?

There are three different credit bureaus (Equifax, Experian & TransUnion), they all compile their own credit data on individual consumers. This means that your credit score with one bureau isn’t the same as at another bureau. Different credit card issuers will pull your credit report from different credit bureaus. This page will show you which card issuers pull which credit bureaus.

Big Card Issuers

American Express

  • Experian

AmEx will almost always pull your Experian credit report. In some rare cases they’ll also pull your TransUnion credit report (or just your TransUnion report), but in 90% of cases it’ll be your Experian report. This is only for credit cards issued by AmEx (e.g the EveryDay Preferred card) and not AmEx cards issued by other lenders (e.g Travelocity AmEx By Barclay)

Barclaycard

  • TransUnion

Barclay’s will almost always pull your report from TransUnion. This should be seen as a good thing as most other issuers will pull from Experian or Equifax. This means you’ll have less hard pulls on your TransUnion credit report and thus you’ll be more likely to be approved for a credit card (as your credit score will be higher).

Chase

Chase will pull a different credit bureau based on what state you reside in. Some people also believe it varies by card as well, but we think that the state you live in decides which credit report will be pulled. Click here to find out which bureau they’ll pull for you.

Smaller Card Issuers


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Rami
Rami

Any Data on Citi?

Jesse
Jesse

I got the TY Premier in May and they pulled both Transunion and Equifax, according to Credit Karma. I hope they didn’t pull Experian as well but I haven’t gotten that credit report yet.

Aa
Aa

Discover in MI pulled my Equifax and TU!
I’ll try freezing TU next time.
Amex is EX.
Chase and Barclays pull TU.
Citi pulls Equifax.
Interesting my sister opened a chase checking account 2 years ago(opted in for overdraft) and they pulled Equifax.

Hunter
Hunter

Clicking on the smaller card issuers section is showing up blank for me, on both Chrome and Edge. I was curious what bureau BOA pulls.

trackback

[…] it’s run through Barclaycard’s normal application procedure, this means it should be a TransUnion credit pull and it should be possible to get multiple inquiries merged. If you apply for any of these cards, let […]

Vic
Vic

U.S. Bank just pulled my TransUnion for my Cash+ application. ^_^
I live in northern California.

Azalia
Azalia

I got a $1,000 unsecured loan from Chase in June 2017 and they pulled Experian. I live near Las Vegas in Nevada. Score was 663 at the time, with $9500 outstanding on credit cards.

Mark
Mark

American Express, as stated here, pulls Experian.
I am in Miami, FL, I applied today for Amex Everyday Cash, and got rejected with a 695 Vantage score and 633 FICO 8 score, both Experian. Reason for rejection: FICO score

Jeff H
Jeff H

I live in Omaha, Nebraska. Because banks use more than one credit bureau, I list credit bureau,bank, pull date:

Equifax:
Discover Bank May 14, 2017
First National Omaha (FNBO) Nov 07, 2016
Capital One Bank Usa Mar 17, 2016

TransUnion:
Brclysbankde Mar 17, 2016
Cap One Mar 17, 2016
Chase Card Mar 15, 2016

Experian:
First National Omaha (FNBO) Jul 15, 2016
US BANK CONSOLIDATED Aug 22, 2016
BK OF AMERICA Jun 3, 2017
CHASE CARD Mar 15, 2016
CAP ONE NA Mar 17, 2016
SANTANDER BANK NA Aug 3, 2016

Redbluefire
Redbluefire

Could you add this to the Credit Card Reference Page? I always have a little trouble finding this post when I don’t have access to my bookmarks. 🙂

Matt
Matt

Seconded! I just did a search for this and ran into the same issues.

jeff
jeff

I love to have access to this kind of info, but hate when it is not accurate. I have detailed credit reports, and half of the info on your site was inaccurate, waist of time.

YKIS
YKIS

Anyone had an experience where AMEX approves a credit card without a hard pull? I got 2 new cards on 1/5/18 (PRG & Gold Delta) where a hard pull occurred. Then I got Amex Everyday on 5/17/2018, and as of now no hard pull shows up on any of the 3 credit bureaus. Would it be just an error or what??

trackback

[…] DOC put together a great page where you can find all information on which bank will pull your report from which credit bureau. You can find the page here. […]

Matt
Matt

Datapoints from WA:
Citi pulls EX and TU for personal apps
Citi pulls EQ for business apps
Chase pulls EX and TU for personal and business apps
BoA pulls EX and TU for personal apps
Barclaycard pulls TU for personal apps

Closertothesun
Closertothesun

Does this belong in the Credit Card reference pages? I looked there then ended up coming through google.

TomT
TomT

Please update this page by including all the missing major issuers: BofA, CapOne, Citi, Discover, US Bank and Wells Fargo, plus the more popular minor issuers such as BBVA, CNB, Comenity, FNBO, HSBC, Navy FCU, PenFed, Synchrony and TD. Also please add a link to here from the Credit Card Reference pages.

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