Which bureau pulled...

[Anonymous]

I am not too familiar with how credit card lenders make their decisions. When i applied with lets say chase and they pull mu credit report, do they only see the bureau they pulled from ( where the hard pull is showing) for example transunion or they have access to all 3 reporting bureaus ( exp, equifax n trans. ?

[Anonymous]

They only see the bureau they pulled from. Some lenders pull multiple bureaus. You can also google the "credit pulls database" to see which lenders pull what bureau.

[Anonymous]

Thank you sooo much

[Anonymous]

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@zumroff wrote:

They only see the bureau they pulled from. Some lenders pull multiple bureaus. You can also google the "credit pulls database" to see which lenders pull what bureau.

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+1

AMEX, e.g., seems to almost always pull Experian, but for all others, you might want to check that database because it differs from one part of the country to another.

From what I have seen on here, Capital One almost always triple pulls (i.e. all 3 bureaus), while Chase and Citi often double pull (Chase more so than Citi).

[RonM21]

Most of the lenders seem to have a specific bureau they are known to pull from but they can and will randomly pull from any of them at times,. As said already, some pull multiple at a time.