Which credit bureaus do card issuers use to check your credit?
Nov 30, · Credit Cards Reported to Use Equifax Only Chase Credit Cards That Use Equifax. Chase cards often pull both Equifax and Experian or may pull another combination of Citi Credit Cards That Use Equifax. Some customers have reported mixed results . Here are some of the best credit cards that may use Equifax only: Chase Sapphire Reserve: $ annual fee (excellent credit) 50, bonus points for spending $4, in the first 3 months. Citi Double Cash: $0 annual fee (good credit) 2% cash back on all purchases, 1% after buying and 1% after.
Also I got away with Cap1 freezing Tu and Ex Sure that's doesn't happen often tho. Sure I got lucky Passing up something you could benefit from just because it pulls TU, for example, makes little sense. Going for something that's less suitable just because it pulls EQ won't do you any favors in the long run. Discover often equivax EQ as well. So does Comenity but not many of their cards are super useful IMO. Skip Navigation. Forum Topics. Sign In Help. Turn on suggestions.
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Regular Contributor. Does anyone know which credit cards that pull Equifax Csrds Thanks for your equidax. Labels: Rewards cards. Message 1 of All forum topics Previous Topic Next Topic. Established Contributor. Re: Credit Cards Pull Equifax only? Message 2 of Senior Contributor. Discover is usually EQ for new apps, but equidax also sometimes pull TU. Message 3 of Discover pull Exp on me. Cqrds 4 of Cabelas Eq Bank card Message 5 of Usaa pulls equifax.
Message 6 of Total rewards Visa. Message 7 of Valued Contributor. I think the GM BuyPower card. Message 8 of Super Contributor. Message 9 of Message 10 of
What store cards only use Equifax for approval? This question is about Credit Cards. Answer Question Share 3 0. Sebi Mitchell, Credit Cards Moderator. @sebim 04/22/21 This answer was first published on 04/22/ For the most current information about a financial product, you should always check and confirm accuracy with the offering financial. usually all the comenity cards visa and mastercard only pull Equifax. Amex ED $16k, CSP $6K,Amex Simply cash $6K,Cap 1 QS $6k,Wells Fargo $,Paypal mastercard K,Venture 13k,freedom unlimited 5K. Fico EX Best “Citibank” Credit Card Offers. Citibank’s pre-qualification form can be completed quickly online and you should get a response right away. Citi’s family of credit cards includes over a dozen options, including many co-branded cards for popular airlines and merchants. 7. Citi® Double Cash Card.
First Quarter Finance. Banks and credit card companies typically do not publicly release information about which credit bureaus they pull reports from when evaluating applications. Some credit card companies may typically pull from one, like Equifax, but may pull from another bureau if the applicant has a borderline credit score.
Below we list the cards that tend to pull from Equifax — at least as the first or primary means of measuring your creditworthiness. We based our list on reports from applicants and cardholders. The fundamental difference between these three credit bureaus is how they determine individual credit scores. Each bureau could potentially calculate a different score for the same person. Specifically, Equifax utilizes its own scoring system called the Equifax Credit Score. However, based on reports from applicants and cardholders, we have compiled a list of cards likely to pull Equifax below.
Chase cards often pull both Equifax and Experian or may pull another combination of bureaus depending on your location. However, based on customer reports, the following Chase card primarily uses Equifax.
Some customers have reported mixed results when applying for a credit card with Citi. Certain card applications may pull from other credit bureaus besides Equifax. However, customers mostly report Equifax pulls for the following card:. Applicants report that Discover commonly uses either Experian or Equifax, so there is no guarantee that Discover will use Equifax when you apply.
USAA credit cards are available to military service members and their families. As with the other credit card companies listed here, while the cards below commonly use Equifax during the application process, USAA may use a different credit reporting agency when you apply. However, understanding which bureau s are typically used by which credit card issuers may help you decide the specific card for which you may want to apply.
See our related research for information on cards that mainly use Experian and cards that mainly use TransUnion. They might have also pulled my expedia. I was recently approved for the Chase Sapphire Reserve credit card and they pulled my Transunion report. Barclays also pulled from Transunion.
I know this because I have freezes on all the credit bureaus and had to temporarily take the freeze off Transunion for each application. Thanks so much for this information.
We always appreciate reader input to make sure our articles are accurate and up-to-date. We will look into this and update the article, as necessary. Could you tell me which Chase card you were applying for? We always strive to keep our lists updated as we receive new information. Thank you! Thanks for the update. Yes, there are types of Chase cards that will pull Experian. I apologize for any inconvenience that the article has caused, and thank you for bringing the issue to our attention!
This entire list is hogwash. However, we are regularly updating our list as we find new information from consumers who report different experiences with different credit cards. Do you happen to remember if the card that pulled from TransUnion was the Chase Freedom card? Thanks for writing in! Thank you for your feedback! So I applied for a Citi card based on this info and immediately got email notification from both Transunion and Experian that they pulled credit info.
Got declined… How did you come up with that they pull Equifax only?? Our list is mostly compiled by reviewing customer reports about the credit bureaus that were contacted in their own applications. Again, our sincere apologies for the problems with your application, and thank you for writing in with your experience!
Same thing happened to me. Table of Contents. What Lenders Use Equifax Only? Equifax-Only Lenders List? We Investigated… Read More. Credit Cards for Gas Purchases Only? Options Detailed Read More. Answered Read More. What Is a Good Credit Score? Read More. Aug 9, at pm.
Laura Bachmann says:. Aug 10, at am. Lara says:. Sep 20, at pm. Austin R says:. Jul 26, at pm. Barclaycard from my research online and my 2 applications almost exclusively pulls transunion. Rebecca Turley says:. Jul 27, at am. Hi Austin, Thank you for this information. We will update the article to reflect this.
Jul 17, at pm. Hi there! Thanks for this information! We have updated the article to reflect your findings. Claudia Perry says:. Jul 7, at am. Jul 7, at pm. Hi Claudia, Thanks so much for this information.
Oct 29, at am. I just applied for the Southwest card and they pulled experian. Amy says:. Jun 14, at pm. When I applied for the disney visa from chase they pulled transunion not equifax. Jun 15, at am. Hi Amy, Thanks for providing us with this information.
We have updated the article to reflect this. Dan in PA says:. Apr 22, at pm. Hi Dan, Could you tell me which Chase card you were applying for? SMorgan says:. May 4, at pm. May 5, at pm. Don says:. Mar 18, at am. Applied for Chase Freedom Card , they pulled Experion only. Hillary M. Miller says:. Mar 18, at pm. Jon Quake says:. Mar 7, at pm. Mar 8, at pm. Johndoer says:. Mar 23, at pm. Thats true. Mar 24, at pm. Omid says:.