Paddy Sullivan, WalletHub Credit Card Advisor
@PaddySully
Some credit cards that use Experian only reportedly include Chase Sapphire Preferred and the Citi Premier Card, 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.

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Compare CardsWesley 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.
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