Simmons First pulls TU but they are a very conservative lender, very difficult to get their VISA cuz it's such a low rate. Keep it in mind for the future!
Note some creditors check all credit bureaus, though typically I understand that if you draw a line down the middle of the United States, lenders located West of this line use Experian while lenders East of this line use Transunion. Equifax is the credit repository for companies based in the South. I have generally found this to be true which makes sense since each is strongest in the region where they are located (Experian-Texas, Transunion-PA, Equifax-Atlanta). Of course if you are interested in a particular card, you can always call and ask which credit bereau they pull their reports from -- which you should find out before you apply anyway.
