Some credit cards that pull Experian only may include Chase Sapphire Preferred, Citi Premier Card, and Discover it Secured. But don’t bet the farm on it. You can never know for sure which bureau an issuer will use. They don’t tell you, it can change based on things like where you live, and sometimes more than one bureau gets pulled. But you can get an idea of which credit card companies are most likely to pull Experian reports based on the experiences of other people who have applied.
Here are credit cards that might pull Experian only:
For travel rewards – Chase Sapphire Preferred. $95 annual fee waived the first year. 50,000 bonus points for spending $4,000 in the first 3 months. 2 points per $1 spent on travel and dining, 1 point per $1 everywhere else. 25% more value when redeeming points for travel.
For everyday spending – Citi Premier Card . $95 annual fee waived the first year. 50,000 bonus points for spending $4,000 in the first 3 months. 3 points per $1 spent on travel and gas, 2 on dining and entertainment, 1 on everything else.
For bad credit – Wells Fargo Secured. $25 annual fee. No rewards. $300 minimum deposit but $10,000 maximum.
For hotel perks – Starwood Preferred Guest credit card from American Express. $95 annual fee waived the first year. 25,000 points for making a purchase in the first 3 months. 2 points per $1 at participating SPG and Marriott hotels, 1 everywhere else.
According to reports from consumers online, you’ll have better luck getting your Experian report pulled if you apply with Chase, Citi, Wells Fargo or Amex. That said, you won’t ever be guaranteed a certain bureau.
There's no point thinking about this stuff. Every experience is different, and you can't really force them to pick a bureau that you like. Some have tried freezing independent bureaus to try and coerce lenders, but it's a risky move that might get your application shut down.
If you checked up and cleaned all 3 up, then it won't matter what they choose.
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