What Credit Bureau Does Bank of America Pull?

Introduction

Find out what credit bureau (formally known as consumer reporting agencies) Bank of America pulls for credit card applications. For the purposes of this post, we only looked at data from 2014 onwards.

You can also read other posts in this series by clicking below:

• American Express
• Barclaycard
• Capital One
• Chase
• Citi
• Discover
• U.S. Bank
• Wells Fargo

Table Key & Combined Stats

To keep things easy, we will use the following acronyms.

EX = Experian
EQ = Equifax
TU = TransUnion
NI = No information

The number next to the acronym represents the number of data points we have. In total we have 129 data points sourced from the Credit Boards Credit Pull page. Of those applications:

• 106 or ~82.17% of all applications pulled an Experian credit report
• 9 or ~6.98%  of all applications pulled an Equifax credit report
• 14 or ~10.85% of all applications pulled an TransUnion credit report

 

Abbrevation	State Name	Credit Bureau Pulled
AL	Alabama	EX: 2
AK	Alaska	EX: 1
AZ	Arizona	TU: 1 EQ: 1
AR	Arkansas	EX: 2
CA	California (CA)	EX: 15 TU: 6 EQ: 4
CO	Colorado	TU: 3
CT	Connecticut	TU: 1
DE	Delaware	EX: 1 TU: 1
FL	Florida	EX: 10 TU: 2
GA	Georgia	EX: 4 TU: 2
HI	Hawaii	EQ: 1 TU: 1
ID	Idaho	EX: 2
IL	Illinois	EX: 11 TU: 2 EQ: 1
IN	Indiana	NI
IA	Iowa	NI
KS	Kansas	NI
KY	Kentucky	EX: 1 TU: 1
LA	Louisiana	EX: 1 TU: 2 EQ: 1
ME	Maine	NI
MD	Maryland	EX: 1 TU: 2
MA	Massachusetts	EX: 7 TU: 3
MI	Michigan	EX: 1 TU: 3
MN	Minnesota	EQ: 1
MS	Mississippi	EX: 1
MO	Missouri	NI
MT	Montana	NI
NE	Nebraska	NI
NV	Nevada	EX: 1 TU: 1
NH	New Hampshire	EX: 1 TU: 1
NJ	New Jersey	EX: 3 TU: 1
NM	New Mexico	NI
NY	New York	EX: 5 TU: 3 EQ: 1
NC	North Carolina	EX: 3 TU: 2 EQ: 2
ND	North Dakota	NI
OH	Ohio	NI
OK	Oklahoma	NI
OR	Oregon	EX: 1 TU: 2
PA	Pennsylvania	EX: 4 TU: 2
RI	Rhode Island	EX: 1
SC	South Carolina	EX: 1 TU: 1
SD	South Dakota	NI
TN	Tennessee	NI
TX	Texas	EX: 13 TU: 8
UT	Utah	NI
VT	Vermont	NI
VA	Virginia	EX: 1
WA	Washington	EX: 6 TU: 2 EQ: 2
WV	West Virginia	NI
WI	Wisconsin	EQ: 1
WY	Wyoming	NI
DC	District Of Colombia	EX: 1

What Happens If Your Report Is Frozen?

There is mixed reports with Bank of America, some say they will pull another report if yours is frozen and other say they won’t. But the most recent data points suggest that they will.

Our Verdict

Looks like in most states that Experian will be used, although occasionally your TransUnion or Equifax report will be used instead. I hope this is useful to some people.