Which Credit Bureau Does Chase Pull?

52 Responses to Which Credit Bureau Does Chase Pull?

1. Reese says:

   August 9, 2014 at 5:05 pm

   Got approved for Chase Marriott in Va pulled Equifax

   Reply
2. Jay Thompson says:

   November 25, 2014 at 8:41 am

   Got an instant approval for Chase Sapphire for $5000 they pulled TU I’m in Michigan

   Reply
3. Jesse says:

   July 21, 2015 at 9:16 am

   I got the Ink+ in June and Chase pulled Experian. I’m in NJ.

   Reply
4. Lydi says:

   January 7, 2016 at 9:08 pm

   Thanks for this info. Saved my $20 as I applied for Chase Southwest card. I live in Colorado and only had to unfreeze Experian which is what you had listed. Chase would not tell me which to unfreeze so I went with your information and it was right on.

   Reply
5. John says:

   January 23, 2016 at 9:00 pm

   DataPoint: Chase Southwest Personal Premier in Michigan. Instantly approved. Pulled TransUnion.

   Reply
6. Gabe says:

   April 17, 2016 at 8:10 am

   I live in MD. chase marriott: equifax+experian. chase amazon: equifax+experian

   Reply
7. SJ0 says:

   July 8, 2016 at 4:25 am

   Marriott – Illinois
   You put “marriott” again as opposed to TU, EX, etc

   Reply
8. JW says:

   August 10, 2016 at 11:04 am

   Sapphire pulled EX + TU for WA State

   Reply
9. Nick says:

   August 16, 2016 at 9:25 am

   CSP = EX + TU
   SW Premier = EX
   SW Plus = EX
   Marriott Personal = EX
   Freedom = EX

   All of these are in NY

   Reply
10. Mike says:

    August 16, 2016 at 1:11 pm

    CSR pulled EX in NY

    Reply
11. FB says:

    August 23, 2016 at 9:04 am

    for the Freedom card in Rhode Island,
    they pulled Experian.
    Same for AARP (why is it not on your list?)

    Reply
12. anthony says:

    August 27, 2016 at 8:48 pm

    New york city
    chase sapphire reserve
    Experian

    Reply
13. mark says:

    August 28, 2016 at 10:04 pm

    insatnt aprooval
    CSP TU
    United MileagePlus TU
    IL

    Reply
14. mark says:

    August 28, 2016 at 10:46 pm

    was denied ink+ because of 5/24 but they pulled TU only

    Reply
    • mark says:

      August 28, 2016 at 10:46 pm

      IL

      Reply
15. Ku says:

    September 2, 2016 at 4:35 am

    Where I live, Chase always pull EQ and at my parents’ address, Chase always pull EX. We live in California and are 100 miles apart. From my experience, it doesn’t matter what card you’re applying for, but your address that determines which credit bureau Chase pulls.

    Parents’ address…..

    Freedom – EX
    Freedom – EX
    Marriott – EX
    ————————————-

    My area…..

    Slate – EQ
    Hyatt – EQ
    Slate – EQ
    Ink Plus – EQ
    Sapphire Preferred – EQ
    Marriott Biz – EQ
    Hyatt – EQ
    IHG – EQ

    ————————————-

    I recently applied for 2 cards and a credit line increase on the same day. I was approved for all 3 with just a single credit pull from EQ.

    Reply
    • Ku says:

      September 2, 2016 at 4:37 am

      I forgot to add these as well…..

      United MileagePlus Explorer – EQ
      United MileagePlus Explorer Biz – EQ

      Reply
      • Roger says:

        March 3, 2017 at 3:22 pm

        What part of California do you live and what part of California do your parents live?

        Reply
16. Ken says:

    September 2, 2016 at 6:13 pm

    Another for EX in CO for Chase in June.

    Reply

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18. Diamond Vargas says:

    September 6, 2016 at 12:25 pm

    In New York, EX for both business and personal on each of ~25 cards over the last 5 years.

    Reply

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20. Dukie02 says:

    September 7, 2016 at 11:16 am

    In IN, Chase seems to always pull both EXP & TU. Did it for CSR, Ink+, RC, Hyatt, IHG, F, MPX, and MR. Seems to be consistent over the past few years.

    Reply
21. David says:

    September 7, 2016 at 11:41 am

    For both my wife and I, in KS

    CSP: EX + TU
    CSR: EX + TU
    Ink+: EX + TU

    Reply

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23. Jeff S says:

    September 8, 2016 at 3:24 pm

    DP: Southeast VA, in May 2016

    Chase Freedom Unlimited (already had Chase Freedom since 2010)

    EX & EQ (not TU, like most of the lucky people)

    Reply
24. escot says:

    September 9, 2016 at 6:18 am

    Talk about lots micro data without analysis or interpretation, or even summary!? Or am I missing it somewhere? So you’re expecting readers to find the card they’re interested in, then scroll down to their home state, then see a handful of data points and draw inferences from that?

    Appreciate the effort at data accumulation, but golly, how about some attempt to summarize and offer any notes on patterns seen….??? Or are we left to scan through scores of pages to do it for ourselves? Next time?

    Reply
    • Beth says:

      September 11, 2016 at 11:40 am

      thanks for the effort and don’t worry about folks who cannot see any value in this compilation. I don’t find it hard to hit CtrlF and enter my state to see what info you have for each card but apparently others do….

      DP-In my case in Ohio for the CSR – Chase pulled both EQ and EXP

      Reply
    • William Charles says:

      September 11, 2016 at 8:40 pm

      There is also the combined chart, the actual card you apply for shouldn’t make any difference. Sorry you don’t find it helpful.

      Reply
25. Rich says:

    September 9, 2016 at 4:07 pm

    Chase Sapphire Reserve in Colorado: EX

    Reply
26. Davin says:

    September 12, 2016 at 11:39 pm

    Hey DoC and Co.,

    Texas here, only got pulled TU once. I applied for the CSR and Amazon Rewards using the 2BM and was instantly approved; the CSR through the Pre-Qualified offer page and the Amazon through Amazon.com directly.

    What’s vexing is that it fell within the 2 year timeframe of my previously opened cards, see:

    http://imgur.com/GftiAy1

    Any ideas why Chase would approve me even though I had been approved for 8 cards previously with other companies? Those previous 8 cards I had obtained were either instantly approved or through pending decision and subsequently approved.

    Inquiries Last 2 Years -BEFORE- applying for CSR and Amazon Rewards.
    TU: 1 (Capital One)

    EQ: 3 (1. Capital One, 2. Commenity Bank/Buckle, 3. Discover Bank

    Which is leading me to believe that maybe they only look at inquiries somehow instead of how many cards you’ve opened in the past if going by the 5/24 rule? I dunno at this point. Or am i looking at it too hard and missed something?

    Reply
27. Jeff H says:

    October 9, 2016 at 7:32 pm

    AARP missing from the master list.

    Reside in Nebraska
    applied on line

    TransUnion AND Experian Mar 15, 2018

    Approved instantly for AARP Visa but called Recon requesting CL increase – Experian only Mar 23, 2016

    Reply

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30. Stephen E says:

    January 25, 2017 at 11:25 am

    I live in South Carolina.

    For CSR, CSP, MPE, Marriott, and Hyatt Chase pulled Equifax.

    Reply
31. PD says:

    January 27, 2017 at 6:00 pm

    Indiana- CSR, CSP, and Southwest were all both Experian and transunion.

    For an auto loan pre qual it was Equifax, but never get an auto loan from Chase….

    Reply
32. Sarah says:

    February 15, 2017 at 12:26 pm

    Chase Hyatt, Sapphire Preferred, and 2 IHGs in AZ = all EX

    Reply
33. Gmoney says:

    February 15, 2017 at 4:42 pm

    WA: CSR in October was EQ + EX

    WA: CSP and Freedom in January EQ + EX

    Reply
34. Raymond Lukasiewicz says:

    February 26, 2017 at 6:10 pm

    Chase Freedom Unlimited approved for 6k
    Located in NJ and Chase pulled my TU -742 and my EX-740

    Reply
35. C BWOODS says:

    April 27, 2017 at 4:06 pm

    chase marriott runs experian and equifax in TN

    Reply
36. Justin says:

    May 5, 2017 at 12:24 pm

    Chase Slate – Idaho – Experian

    Reply
37. Andrew says:

    May 11, 2017 at 11:44 am

    Chase Sapphire Reserve – Rhode Island – Experian
    Chase Ink Preferred – Rhode Island – Experian

    Reply
38. IllegalImmigrant says:

    May 21, 2017 at 9:06 am

    DP: CSP approved for 24K
    Scores: EX-705 (6/24), EQ-739 (4/24), TU-743 (4/24)
    Utilization – 7% (of 85K total limit)
    Pulled Experian only and was told by branch manager that they always pull Experian. (Location: Near Northern Kentucky University, if that helps)
    History with Chase: Chase Slate (8 months) and Chase Amazon Rewards (2 Years and 9 months), Checking Account (3 years and 8 months)
    Was 6/24 on EX and used in branch pre-approval technique from DoC and it worked. Thanks to the DoC community 🙂

    Reply
39. Jeff H says:

    June 1, 2017 at 11:11 pm

    I am in Nebraska. Dates may be a factor in case credit card company changed primary source.
    Capital One pulls all three
    TransUnion
    FIA Card Services (Division of Bank of Amercia) – Inquiry Feb 01, 2016
    BRCLYSBANKDE – Inquiry Mar 17, 2016
    Chase Card – CL recon – Mar 15, 2016 — Original pull was Experian
    Equifax
    DISCOVER BANK (Discover IT) – Inquiry May 14, 2017
    FNB OMAHA (Business card) – Inquiry Nov 07, 2016
    First National Bank of Omaha – personal was Experian

    Reply
40. Jeff H says:

    June 1, 2017 at 11:21 pm

    Experian inquiries:

    AMEX Mar 20, 2016

    BK OF AMER Mar 15, 2016

    CHASE CARD Mar 23, 2016

    FIRST NATIONAL BANK Jul 15, 2016

    SANTANDER BANK NA Aug 3, 2016

    US BANK CONSOLIDATED Jan 9, 2016

    Reply
41. Chris says:

    June 1, 2017 at 11:23 pm

    TU for CSP in FL

    Reply
42. CongestionCharge says:

    June 5, 2017 at 5:13 pm

    EX and EQ for Chase CSP in Oregon

    Reply
43. Kaung says:

    June 19, 2017 at 8:13 pm

    CSR – Georgia – Equifax
    CIP – Georgia – Equifax

    Reply
    • Kaung says:

      June 30, 2017 at 12:58 pm

      Please update, both of those cards were Equifax and Experian combined!

      Reply
44. Rena says:

    July 31, 2017 at 4:14 am

    Chase Amazon didn’t do a hard pull? I was approved back in May, did not apply for another Chase card on the same day (though I did apply for one two weeks prior).

    Reply
45. SuddenValley says:

    August 2, 2017 at 3:16 pm

    Chase pulled Experian for my 2 inquiries (and approvals) while living in NM. CSR (3/2017) and Personal Marriott (5/2017).

    Will report back when I apply for a biz card later this year.

    Reply
46. tinytavosa says:

    September 23, 2017 at 5:53 pm

    Two player game, so my GF’s datapoint:

    Chase IHG, applied by phone.
    TransUnion pulled
    Experian LOCKED but they attempted to pull at the same time as TU
    5/24 (new accounts)
    2/24 Inquiries on TU
    TransUnion FICO 757
    Indiana Resident

    Instant approval, 2k limit.

    Reply