Credit Bureaus That Banks Use to Approve Consumer Credit Cards

James Cox

James Cox

— 1 min read
Credit Bureaus That Banks Use to Approve Consumer Credit Cards
Photo by Miquel Parera / Unsplash

This is a work in progress as the banks can shift what bureaus they use (I just had BofA hit Experian last week when they had normally hit Transunion in the past). Apparently, the banks can shift their inquiries based on location and which card is being applied for. So far, it has been accurate for my uses and has allowed me to apply for two cards at once without waiting 90 days between applications. I just apply for one card, see if the inquiry hits the bureau I expect, freeze that bureau and then apply for the second card.

Experian

    • Bank of America
    • CITI
    • Chase
    • AMEX
    • Capital One
    • Wells Fargo

TransUnion

    • AMEX
    • Barclays
    • Capital One
    • Bank of America
    • USbank

Equifax

    • Capital One
    • CITI (maybe)
    • USbank
    • Wells Fargo (maybe)

If you have additional data points, please leave a comment.

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