Christie Matherne, Credit Card Writer
@christie_matherne
Wells Fargo may use Experian, Equifax, or TransUnion credit reports when you apply for a credit card, according to anecdotal evidence. So, if any of your credit reports are frozen, you should unfreeze them before applying for a Wells Fargo credit card.
Key Things to Know
- When you apply, Wells Fargo 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, Wells Fargo 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 reports so you can dispute them right away.
If you want to review your TransUnion credit report or check your credit score for free, you can do it right here on WalletHub.
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When does Wells Fargo report to credit bureaus?
Wells Fargo reports to the credit bureaus once each month, within days after the end of your monthly billing period. Wells Fargo reports a credit card’s credit limit, account balance, payment history, and more to TransUnion, Equifax, and Experian.
After Wells Fargo reports your account information to the credit bureaus each month, it may take a few days before the updates appear on your credit report. When you first open a new Wells Fargo...
read full answer by Chip Lupo, Credit Card WriterWhat are my Wells Fargo credit card approval odds?
The Wells Fargo credit card approval odds are best for people who have at least good credit (a credit score of 700+). Just keep in mind that the higher an applicant’s credit score is, the higher their approval odds are likely to be.
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read full answer by Chip Lupo, Credit Card WriterHow do I get my Wells Fargo credit card FICO score?
To get your Wells Fargo credit card’s free FICO score, log in to your online account, then look for the View Your FICO Credit Score” on the “Account Summary” page.
What you should know before getting your Wells Fargo credit card FICO score:
- Using the Wells Fargo Credit Close-Up tool will have no impact on your credit score.
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