When you apply for the Citi Costco credit card, all three major credit bureaus (Equifax, Experian, and TransUnion) may be used to review your application.
According to reports from cardholders, Citibank tends to use at least two of the three available credit bureaus. That being said, people who applied for the Citi Costco card over the past two years reported that Citibank pulled from Experian more frequently than Equifax or TransUnion.
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