People living in different regions of the country, for example NYC and LA, might apply for the same card and have different reports checked. And the credit card industry isn’t upfront about which bureau gets pulled when, so all you can use to guide you are the reports of consumers.
Depending on what your needs are – cash back, travel, or financing – any of these cards can be a great option. But just remember that you can’t know with 100% certainty that any of them will pull your Experian credit report, though it’s likely.
American Express uses Experian most of the time. Though Amex will use the other 2 major credit bureaus, TransUnion and Equifax, for some applications, they pull Experian for the majority.
Amex usually only does hard credit pulls for new applications. Some people who already have Amex credit cards will not get another hard inquiry if they apply for another Amex card in the future.… read full answer
Citi uses all three major credit bureaus to evaluate credit card applications. That doesn’t mean it will pull all three of your credit reports, though. Rather, there’s no telling which bureau(s) Citi will pull from when you apply.
But that shouldn’t be a big deal. Your major credit reports contain nearly identical information. So if one includes negative information, the other two probably will as well. And if there’s a mistake on any of your credit reports, you’ll want to dispute that right away.… read full answer
Besides, it’s pretty much impossible to predict a credit card company’s opinion of your financial past. Each uses its own customized credit score, for one thing, which explains why there is no one “real” credit score.
Chase may use any of the three major credit bureaus to evaluate credit card applications for approval: Experian, TransUnion and/or Equifax. The credit bureau that Chase will pull your credit report from depends on which state you live in and which Chase credit card you apply for.
Reports from forums around the internet seem to suggest that Chase pulls Experian credit reports more often than the others. But they use all three major credit bureaus in some states.… read full answer
Keep in mind that Chase doesn’t release this information, so it’s impossible to be certain about which bureau they will pull your report from.
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