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.
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.
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
Citi uses all three major credit bureaus: Equifax, Experian, and TransUnion. Citi tends to use at least two of the three credit bureaus when it reviews credit card applications, according to reports from cardholders. People who applied over the past two years also suggest that Citi pulls from Experian most frequently. Where you live may factor into which credit bureau Citi uses, too. … read full answer
When Citi checks an applicant’s credit report through one of the credit bureaus, it makes a “hard inquiry” or “hard pull.” A hard inquiry may cause your credit score to drop a few points. And it will stay on your credit report for two years, though it only affects your score for the first year.
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