U.S. Bank pulls

[Rick]

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

[FicoMike0]

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/683410...

[Techwiz45]

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.

[portlandmusician]

@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.

[Wavester64]

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@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/683410...

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Same here, TU.

[brunolly]

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

[DanteJuan95]

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

[nytokyobred79]

They pulled EX in NY for me. 

[Patient957]

TU, 2 out of 2, in CA.

[sjt]

California, Trans Union