What Credit Bureaus are pulled for Business Credit

Jagajaga · ‎10-17-2023

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

Filed BK7: 2/2014 (start score EQ 450) Discharge 5/2014
666 EQ FICO 12/2015
$18k NFCU cashRewards |NFCU LOC 15k | $1.5k Barclay Rewards| $4.5k Cap1 Quicksilver| $1.5k Cap1.

JoeRockhead · ‎10-18-2023

@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

cashorcharge · ‎10-18-2023

@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

spiritcraft1 · ‎10-19-2023

@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

$30k, approved for 15k 10/11/21 @ 807 EX FICO 08 - 61 day 2x cli

$15k, approved after 2 weeks 5/21 @ 698 EX FICO 09 Bankcard

$19k, started as a $5k secured card in 2016 @ 408 FICO, unsecured 12/18 @ 600 FICO

$10k (10/23) @ 785 TU08 - Denied, Approved after Recon

$10k - approved (12/19) at $1k @ 648 FICO

Biz |

Business $9k - 04/06/21 @ 686 SP FICO, 61d 3x CLI to $9k

Business $28k - 07/6/21 @ Instant 689 SP FICO

Business $15k - 03/1/22 @ Instant 795 SP FICO

$15k Biz 2% card, approved after 5 days 7/21 @ 685 EX FICO 09 Bankcard, 93 Biz EX score

$25k Biz instant approval 10/21 @ 790 EQ FICO, 99 Biz EX score

$23k Biz instant approval, ID Verification 10/22 @ 802 EX FICO

$14k Biz instant approval 10/22 @ 802 TU FICO

Elan Hawaii National Bank Biz Visa- $8k instant 10/22 @ 806 TU FICO

US Bank Triple Points Visa - $20k in branch 11/3/22 @ 809 TU FICO, 1/12 new accounts, no USB history

Elan Business Visa from Midland Bank for new LLC, Instant $17k 11-22

PNC Business Visa for new LLC, $15k, took a week. EX 820 HP! 11-22

FNBO Evergreen Business MC for new LLC, $13.7k, instant EX HP 805 EX BC09 4-22

Chase Ink Premier $8.8k Flex, $44k Spend, instant EX HP 756 | 09-23

Barclays AA Business MC - Measly $2k SL but got the 80k Sub, 819 TU | 03-23

Current F08 -

Current 2,4,5 -

Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

triplej0718 · ‎10-19-2023

@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.