We may receive a commission when you use our links. Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. We appreciate you using our links!!!
Which Credit Bureau will be used to pull your credit report?
I recently wrote a Monkey Miles Monday Memo that illustrated the 5 factors that impact your credit score. You will have a different score from each of the 3 major credit bureaus: Transunion, Equifax, and Experian. You may wonder why each credit bureau has a different score for you? That’s a great question. While each bureau will have it’s own specific metrics, one of the biggest factors is how often a report is pulled – this impacts your “recent inquiries” number. This pull is referred to as a “hard pull.” and each hard pull drops your score. This is why people will try and combine inquiries or apply more than once on a day: an app-o-rama if you will 😉 When you apply for a credit card, loan, lease, etc the lender will pull a report from one of those 3 bureaus, but which one? I use a resource page that is full of anecdotal, wiki-style, information to see just which bureau will be used to generate a report. How to find which credit bureau will be used to pull your credit report.
A quick reminder: the 5 factors
I recently applied for the Chase Sapphire Reserve, in branch, despite being at 6/24. You can read about my entire experience, but I got denied. My report was pulled from Experian. I knew this would be the case because I searched creditboards ahead of time and saw these results.
Credit boards search engine
What you’ll see are the results for my specific state and the creditor
- approved or denied
Here’s a look at Citi:
slightly different results and looks to vary between city/zip code
Hope this helps!
Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers
A Monkey Miles favorite for beginners and point pros alike because it earns unlimited 1.5x Ultimate Rewards with no annual fee. Enjoy 5x on groceries up to $12k a year + $200/20k welcome bonus!
♥ Earn 20k Bonus Points or $200 after $500 Spend in 3 months
♥1.5x on all purchases, unlimited
♥5x on grocery stores, up to $12k ( no Target/WalMart)