Sorry - I misunderstood. I thought you were defending your intent to app for it by explaining your history with US Bank.
Still...don't app for it.
TU for me in Ohio..
I am in so cal and they pulled ex for me.
Did you apply in branch or online?
I app'd by phone
They mostly pull Experian
I did online chat and of course the rep told me the "Computer Randomly Picks 1 of the 3 to do the pull from"
Also what is considered Bill Pay items?
It's EX in California unless done in branch then it is EQ.