How many credit bureaus do credit card companies pull from during the application process?

Posted on August 8, 2017

Having a good credit report is important to be eligible for approval with major credit cards companies like Capital One or Chase which lead the market with marvelous services and credit facilities. Many people do not know the steps the banks go through before issuing a new credit card! Credit card companies co-operate with various credit bureaus using segmentation theory during the approval process.

When you apply for a new credit card, your credit card company begins corresponding with credit bureaus (Experian, Equifax, and Transfer Union), but customers rarely know which bureau(s) a company will choose and why.

– Large companies usually work with Experian which acquires the majority of customer segments for the major credit card companies.
– The majority of credit unions request your credit report from Equifax.
– Few companies will pull Transunion alone; most of the time, they pair it with Experian or Equifax.
Remember that the company can contact more than one bureau for your credit report; it all depends on the amount of credit you are requesting.
Let’s go back to the goal we mentioned at the beginning of the article: a good credit report in order to be eligible for approval by major credit card companies. To reach this goal, you must work to make your credit report significantly better with few negatives.
So, if your credit report is significantly better on Experian, what are you waiting for? You are eligible to apply with major credit card companies. If your credit is better on Equifax, then joining and applying for credit cards with credit unions will be better for you. If your credit is better on Transunion, then may have a hard time cleaning your credit report on Equifax or Experian. Go to if you want to clean that up quickly and reliably. The team will help you have a clean credit report with their fast track tools and technologies. Within 3 weeks, you can wipe out all negatives on your credit reports and upgrade yourself with the major credit card you’ve always wanted.

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