topic U.S. Bank pulls in General Credit Topics

U.S. Bank pulls

Rick — Wed, 01 Jul 2026 13:05:51 GMT

Does anyone have to know what bureau does the US Bank consistently pull from for its credit card and loan products?

Re: U.S. Bank pulls

FicoMike0 — Wed, 01 Jul 2026 14:35:41 GMT

welcome to the forum

for me, it's TU.

Heres a link,

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-3/m-p/6834108#M336861ere

Re: U.S. Bank pulls

Techwiz45 — Fri, 03 Jul 2026 00:34:45 GMT

Bank Bureau pulls are generally based on location, and sometimes they pull more than one if they want to get a clear picture of your credit profile. Capital One is a big example of this with their infamous triple hard pulls.

When I applied for the Business Prime card through my Amazon Business account US Bank hard pulled my TU report (I am from Georgia). Where it gets interesting is that 4/6 cards I have pulled TU reports when I applied. Prime Visa pulled EX and TU for me, then Amex pulled only EX (hard inquiry on old Amex Prime which was denial and then soft only for my BBC application). My Elan, PayPal Credit, and Autograph inquiries were TU only.

Re: U.S. Bank pulls

portlandmusician — Thu, 02 Jul 2026 06:33:56 GMT

@Rick As others have said, TransUnion for me, too. I've got five cards with them over the past 6 years and the first one was TransUnion and Equifax in 2020. The next four were just TransUnion.

Re: U.S. Bank pulls

Wavester64 — Thu, 02 Jul 2026 19:42:36 GMT

@FicoMike0 wrote:
welcome to the forum
for me, it's TU.
Heres a link,
https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-3/m-p/6834108#M336861ere

Same here, TU.

Re: U.S. Bank pulls

brunolly — Thu, 02 Jul 2026 20:00:37 GMT

TU twice for me this year (one denial, one acceptance a month and a half later) for the Cash+. Northern CA.

Re: U.S. Bank pulls

DanteJuan95 — Sat, 04 Jul 2026 04:22:00 GMT

For me, in PA. They either use primarily TU.

Re: U.S. Bank pulls

nytokyobred79 — Mon, 06 Jul 2026 09:57:40 GMT

They pulled EX in NY for me.

Re: U.S. Bank pulls

Patient957 — Mon, 06 Jul 2026 16:56:17 GMT

TU, 2 out of 2, in CA.

Re: U.S. Bank pulls

sjt — Mon, 06 Jul 2026 17:28:17 GMT

California, Trans Union

Re: U.S. Bank pulls

coldfusion — Mon, 06 Jul 2026 21:58:45 GMT

They historically would also often pull from SageStream,which occasionally would cause problems as while there were recommendations floating around different sites like DoC to lock SageStream before making a USBank application having a locked SageStream file meant an automatic denial.

Re: U.S. Bank pulls

gingerflower — Fri, 28 Aug 2026 18:45:32 GMT

@Rick I live in Hawaii and opened a Cc with US bank the bank pulled Transunion.