Which bureau does Chase pull for Preferred and Marriot Bonvoy in New York?

[Anonymous]

Hello community, 

So I was wondering if anyone has any experience or knowledge about which Bureau does chase pull from in New York State?

The reason why, is because my Experian current Fico score is not so hot (650) due to a charge-off dispute that I can not get rid off! However, my Transunion Fico credit score is pretty good, (710). I try to do some research and the results seem to vary depending on the state. 

Im looking into the preferred since I have a pretty good chance to reach the current bonus, Im expecting some large purchases soon. Im also open to starting a relationship with chase with the Marriot Bonvoy Bold, since it has no annual and foreign fee.

My current credit cards are: Discover Cash back (7K CL, 6 month old) and Capital One platinum ($500 CL and, 1.5 years old).

Thank you!

[FinStar]

Chase has been known to pull any of the 3 CRAs, and in a variety of cases a combination of 2 of them.  I would not recommend applying for both Chase CCs within the same timeframe.  Space your applications out if interested in both products.

The following link can provide some guidance:

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...