topic What Credit Bureaus are pulled for Business Credit in Business Credit

What Credit Bureaus are pulled for Business Credit

Jagajaga — Wed, 18 Oct 2023 04:57:47 GMT

Hi All,

Please can someone tell me what personal credit reports are pulled if I'm applying for a business card. For my Amex business platinum my EX was pulled and for my USbank Business card TU was pulled.
Can someone tell me what will be pulled for these banks below. Thanks in Advance.

I am interested in applying for:

1. Citi Bank

2. Truist

3. Chase

4. Bank of America

Re: What Credit Bureaus are pulled for Business Credit

JoeRockhead — Wed, 18 Oct 2023 13:07:49 GMT

@Jagajaga wrote:
Hi All,
Please can someone tell me what personal credit reports are pulled if I'm applying for a business card. For my Amex business platinum my EX was pulled and for my USbank Business card TU was pulled.
Can someone tell me what will be pulled for these banks below. Thanks in Advance.

I am interested in applying for:
1. Citi Bank Primarily EX but can pull from any of them
2. Truist not sure on this one
3. Chase Can be a double pull, primarily EX and TU
4. Bank of America for business generally TU

Re: What Credit Bureaus are pulled for Business Credit

cashorcharge — Wed, 18 Oct 2023 21:52:19 GMT

@JoeRockhead wrote:
@Jagajaga wrote:
Hi All,
Please can someone tell me what personal credit reports are pulled if I'm applying for a business card. For my Amex business platinum my EX was pulled and for my USbank Business card TU was pulled.
Can someone tell me what will be pulled for these banks below. Thanks in Advance.

I am interested in applying for:
1. Citi Bank Primarily EX but can pull from any of them
2. Truist not sure on this one
3. Chase Can be a double pull, primarily EX and TU
4. Bank of America for business generally TU

To add to @JoeRockhead for Citibank...their co-branded cards like Home Depot or Costco typically pull Equifax

Re: What Credit Bureaus are pulled for Business Credit

spiritcraft1 — Thu, 19 Oct 2023 14:28:14 GMT

@cashorcharge wrote:
To add to @JoeRockhead for Citibank...their co-branded cards like Home Depot or Costco typically pull Equifax

---------------

Citi has been all EQ on the Business side for the DW and I. I wish there were more EQ pillers. We have so few INQ's on EQ.

Other DP's:

Two Chase INK cards: EX only

GM Business: Soft Pull (EQ perhaps)

Elan: TU

Re: What Credit Bureaus are pulled for Business Credit

triplej0718 — Thu, 19 Oct 2023 14:54:22 GMT

@Jagajaga wrote:
Hi All,
Please can someone tell me what personal credit reports are pulled if I'm applying for a business card. For my Amex business platinum my EX was pulled and for my USbank Business card TU was pulled.
Can someone tell me what will be pulled for these banks below. Thanks in Advance.

I am interested in applying for:
1. Citi Bank
2. Truist
3. Chase
4. Bank of America

Citibank is definitely equifax. I have the AA citibank Business Card.

I also have Truist business card as well they only pull from Equifax.

Chase apparently does two pulls now with Experian or Equifax but I froze my Equifax and kept Experian open and they still approved me for both the unlimited ink and business cash card. BOA on the business side is usually Experian but they might pull TU as well so freeze TU if you are applying for a business card. Good luck.