What credit bureau does Wells Fargo use for approval?

Wells Fargo uses all three major credit bureaus: Equifax, Experian, and TransUnion. Either one or more credit bureaus may be used when evaluating a Wells Fargo credit card application. Cardholder reports suggest the state you live in may factor into which credit bureau Wells Fargo uses when it pulls your credit report. Wells Fargo doesn't publicly disclose if it uses one of the three credit bureaus more than the others.

Here’s what you should know about your credit report:

• When you apply for a Wells Fargo credit card: During its review of an application, Wells Fargo will generate a hard "pull" or inquiry of your credit report through one of the three credit bureaus. A hard pull may have a slight negative impact on your credit report, so try not to apply for too many credit cards in a short period of time. Hard pulls may stay on your credit report for at least two years, but any negative effects tend to diminish over time.
• How to access your report: 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 This will provide an opportunity to check for any incorrect or outdated information on your credit report.
• How to fix errors on your credit report: If there are any discrepancies, you can dispute them by contacting the appropriate bureau directly and have it removed before you apply for a Wells Fargo credit card.

Also, checking your own credit report is known as a "soft pull". A soft pull does not affect your credit score, so you're not penalized if you need to pull multiple copies of your credit report.

Keep in mind that most Wells Fargo credit cards require good credit or better. If you don't know where you stand, you can get free credit reports, with daily updates and credit scores, right here on WalletHub.