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Who does Barclaycard pull from for credit check?

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nomadic_triathlete
Established Member

Who does Barclaycard pull from for credit check?

Who does Barclaycard pull from for credit check? (AA Aviator Card) I just applied and only had my Experian report unlocked. As far as I can tell they didn't do a HP.  I didn't get denied immediatly either.  They said they would let me know in 10 days if I got approved.

Message 1 of 8
7 REPLIES 7
NoHardLimits
Valued Contributor

Re: Who does Barclaycard pull from for credit check?

My household has applied for a total of 5 Barclays cards in the past 12 years.  Each one resulted in a single TransUnion inquiry.

January 2026 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 38 yrs | AoYRA: less than 1 yr | New Accounts: 0/6, 1/12, 3/24 | Util: 2% | DTI: 1%
Message 2 of 8
sznthescore
Established Contributor

Re: Who does Barclaycard pull from for credit check?

Based on the post above, the letter will state that "bureau was frozen".

REBUILDER CARDS




Goal: FICO 700+
Message 3 of 8
coldfusion
Credit Mentor

Re: Who does Barclaycard pull from for credit check?

While not an absolute BarclaycardUS is a very reliable TU puller.    Attempts to force them to pull from an applicant's preferred CRA are generally ineffective. 

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 4 of 8
SouthJamaica
Mega Contributor

Re: Who does Barclaycard pull from for credit check?


@nomadic_triathlete wrote:

Who does Barclaycard pull from for credit check? (AA Aviator Card) I just applied and only had my Experian report unlocked. As far as I can tell they didn't do a HP.  I didn't get denied immediatly either.  They said they would let me know in 10 days if I got approved.


Barclays pulls TransUnion.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 5 of 8
GTS
Contributor

Re: Who does Barclaycard pull from for credit check?

Barclays pulls from TU. If TU is frozen they will pull from EX (at least in my own experience and per what customer service in the recon dept told me).

FICO 8/9:



Amex Gold-$no preset SL
Chase FF WEMC-$25,200 CL
Chase IHG Premier WEMC-$16,700 CL
Amex BCP-$10,000 CL
PayPal cashback WMC-$8,000 Cl
RCU Platnum Visa-$5,000 CL
Cap1 Savor One WEMC-$5,000 CL
Disco It-$8,000 CL
Disco It-$5,200 CL
Cap1 Venture One WEMC-$3,400 CL

Amex Blue Business Plus-$2000 CL
Citi Corporate MC-$5,000 CL
AU Citi AA Advantage-$30,000 CL
Message 6 of 8
Traveler101
Established Contributor

Re: Who does Barclaycard pull from for credit check?

Most every approval was with a TU HP. Even a cli. They are pretty good reps over there. If you want to reach out and call them. They should be able to shed some light on your pending application. I have pulled my annual credit report. They will constantly sp your EX report to watch you. At least they do me. Never seen them sp EQ. Good luck if you reach out to them. 

Message 7 of 8
OmarGB9
Community Leader
Super Contributor

Re: Who does Barclaycard pull from for credit check?

TU like 99% of the time.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 8 of 8
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