Lisa Cahill, Credit Cards Moderator
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The Essential Federal Credit Union can use all three major credit bureaus, TransUnion, Experian, and Equifax, for approval. Regardless of the credit bureau(s) they choose to use, it will always be a hard pull on your credit. And keep in mind that a hard pull might temporarily lower your credit score.
As for reporting, EFCU reports their cardholders’ activity to all three of these bureaus, on a monthly basis.
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