Christie Matherne, Credit Card Writer
@christie_matherne
The Alliant Cashback Visa® Signature Credit Card mainly uses TransUnion to check your credit when you apply, though Alliant Credit Union may use Equifax or Experian instead, according to anecdotal evidence. So, if any of your credit reports are frozen, you should unfreeze them before applying for the card.
Key Things to Know
- The Alliant Cashback Visa® Signature Credit Card requires excellent credit.
- When you apply, Alliant Credit Union will perform a hard inquiry on your credit report, which might temporarily damage your credit score by a few points.
- If you’re approved for the card, Alliant Credit Union will report information about your card usage and payment history to Equifax, Experian, and TransUnion once a month.
- Your major credit reports contain nearly identical information. If one includes negative information, the other two probably will as well.
- It’s a good idea to check for any mistakes on your credit report so you can dispute them right away.
You can keep tabs on your TransUnion credit report as well as check your credit score for free, right here on WalletHub.
Please note: The Alliant Cashback Visa® Signature Credit Card may no longer be available to new applicants. Information presented on this page may no longer be accurate.
Popular Credit Cards from Our Partners
People also ask
Which credit report do credit card companies use?
Credit card companies use all three major credit bureaus, Experian, TransUnion and Equifax, to evaluate applications. However, the banks and credit unions that issue credit cards do not publicly disclose which bureau they will use for a given credit card application.
In addition, most credit card issuers modify the information provided by the bureaus to create their own proprietary credit-scoring models. The exact criteria, calculations and results are not available to consumers or other lenders.
You can...
read full answer by Lauren Smith, WalletHub Staff WriterCan anyone tell me where to find credit cards that use Equifax?
There are many credit card providers that use Equifax, but you should keep in mind that some will consult all of the credit bureaus in order to determine your creditworthines.
read full answer by WalletHub, Financial CompanyWhat credit bureau do most lenders use?
Lenders use all three major credit bureaus, Equifax, Experian and TransUnion, at their discretion to help determine a consumer’s or entity’s creditworthiness. In addition to reviewing information provided by the bureaus, lenders report customer data to them.
Some lenders report information to all three major credit bureaus, while others only report to one or two. Similarly, lenders may pull an individual’s credit report from any of the three bureaus when evaluating an application for...
read full answer by Lauren Smith, WalletHub Staff WriterDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.