Paddy Sullivan, Member
@PaddySully
Some credit cards that use Experian only reportedly include Chase Sapphire Preferred, the Citi Premier Card and Discover it Secured, among others. There’s no guarantee these credit cards use Experian 100 percent of the time. But based on comments from various consumer forums, there seems to a good likelihood that when you apply, your Experian credit report will be pulled.
Experian is one of the “big three” credit bureaus responsible for evaluating the creditworthiness of millions of borrowers (TransUnion and Equifax are the other two). Experian does not issue credit cards. But whenever you apply for a credit card, the issuer will request your credit report from Experian or one of the other major credit bureaus to see if you meet the criteria for approval. The issuer may even pull reports from two bureaus, or all three in some cases.
When a credit card issuer pulls your full credit report from Experian or one of the other bureaus, that is known as a hard inquiry. These inquiries will temporarily lower your credit score, but your score should bounce back quickly as long as you keep making on-time payments and using your credit responsibly.
2020's Best Credit Cards
Compare Cards
Chip Lupo, Credit Card Writer
@CLoop
Experian and other credit bureaus do not have exclusive arrangements with specific credit cards or credit card companies. Certain issuers do tend to rely on some bureaus more than others, but the bureau used may change depending on the state in which you live and the card for which you apply. Credit card issuers do not openly disclose if they favor a particular bureau when they pull credit reports.
Wesley Smith, Member
@wesleysmith_1
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.
People also ask
What's the easiest unsecured credit card to get approved for?
The Fingerhut Credit Account is the easiest unsecured card to get. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you co… read full answer
show lessWhat credit bureau does Citi use for approval?
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 ne… read full answer
show lessDid we answer your question?