What credit bureau does Kohls use for approval? This question is about the Kohl's Credit Card

What credit bureau does Kohls use for approval?

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This question is about the Kohl's Credit Card

tom_szekely, Member

@tom_szekely • 06/17/22 This answer was first published on 07/23/18 and it was last updated on 06/17/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The Kohl's Credit Card uses any of the three major credit bureaus for credit card approval: Equifax, Experian or TransUnion. In some cases, the Kohl's Credit Card pulls from more than one credit bureau when considering your application.

So, make sure all of your reports are in order. Remember that you are entitled to one free report from each of the three major credit bureaus every 12 months. This will provide an opportunity to check for any incorrect or outdated information on your credit report.

Jeff Verber, Member

@jeff_verber • 04/01/18 This answer was first published on 04/01/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You mean like, what they pull? For me, they pulled TU and Experian. As far as I know, they don't pull the same thing for everybody. Where you live plays into it too. No real way to know for sure, they never disclose that info.

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People also ask

When does Kohl's Credit Card report to credit bureaus?

The Kohl's Credit Card reports to the three major credit bureaus (TransUnion, Experian, Equifax) on a monthly basis, usually 2-3 days after the end of the billing period. The issuer does not control when the credit bureaus update their records, but it is expected that this should happen within a week or so. Your credit report should also indicate the date when the issuer provided the information.… read full answer

So Kohl's Credit Card can help you build credit as long as you pay your bills on time and preferably in full, while maintaining a low credit utilization.

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Does Kohl's Credit Card do a hard pull?

Yes, the Kohl's Credit Card will do a hard pull. You will need a credit score of at least 640 to get it.

You can prequalify for the Kohl's Credit Card on Capital One's pre-qualification page, which will not affect your credit score as it will be a soft pull. However, if you do prequalify and want to get the card, you will need to submit an actual application which will result in a hard pull.… read full answer

A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months.

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What bank issues the Kohls Credit Card?

The Kohl's Credit Card is issued by Capital One. The Kohl's Credit Card from Capital One is a retail store card, so it can only be used in-store at any Kohl’s location, on the Kohl’s website, or through the Kohl's mobile app. The Kohl's Credit Card offers plenty of rewards for Kohl’s purchases, and features a $0 annual fee. So frequent Kohl’s shoppers might find it worthwhile to … read full answer apply for the Kohl's Credit Card.

A Kohl's Credit Card account can be handled online. Cardholders can also call the number on the back of their card to get in touch with a customer service representative.

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