What Credit Bureau Does Citibank Pull?

Introduction

In this post we will look at what credit bureau Citibank pulls for credit card applications. We’re only going to look at data from 2014 onwards that is listed on the creditboards credit pulls database.

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

• American Express
• Bank of America
• Barclaycard
• Capital One
• Chase
• 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 458 data points sourced from the Credit Boards Credit Pull page. Of those applications:

• 241 or ~52.62% of all applications pulled an Experian credit report
• 175 or ~38.21%  of all applications pulled an Equifax credit report
• 42 or ~9.17% of all applications pulled an TransUnion credit report

Abbrevation	State Name	Credit Bureau Pulled
AL	Alabama	EQ: 1
AK	Alaska	NI
AZ	Arizona	EX: 3 EQ: 3 TU: 1
AR	Arkansas	TU: 3
CA	California (CA)	EX: 48 EQ: 16 TU: 6
CO	Colorado	EX: 2 EQ: 1
CT	Connecticut	EX: 3 EQ: 6 TU: 1
DE	Delaware	EX: 3 EQ: 5
FL	Florida	EX: 17 EQ: 14 TU: 1
GA	Georgia	EX: 7 EQ: 3
HI	Hawaii	EQ: 3
ID	Idaho	EX: 1
IL	Illinois	EX: 10 EQ: 13 TU: 1
IN	Indiana	EX: 3 TU: 1
IA	Iowa	EX: 2
KS	Kansas	NI
KY	Kentucky	EX: 4 EQ: 4
LA	Louisiana	EQ: 1 TU: 2
ME	Maine	EQ: 1 TU: 1
MD	Maryland	EX: 7 EQ: 3
MA	Massachusetts	EX: 4 EQ: 3
MI	Michigan	EX: 10 EQ: 7 TU: 1
MN	Minnesota	EX: 1 EQ: 3
MS	Mississippi	NI
MO	Missouri	EX: 2 EQ: 1 TU: 1
MT	Montana	EQ: 1
NE	Nebraska	NI
NV	Nevada	EX: 3 EQ: 3
NH	New Hampshire	EX: 2 EQ: 4
NJ	New Jersey	EX: 4 EQ: 1 TU: 1
NM	New Mexico	EX: 1
NY	New York	EX: 18 EQ: 14 TU: 8
NC	North Carolina	EX: 12 EQ: 13 TU: 2
ND	North Dakota	NI
OH	Ohio	EX: 6
OK	Oklahoma	EX: 2 EQ: 4
OR	Oregon	EX: 7 EQ: 3 TU: 1
PA	Pennsylvania	EX: 22 EQ: 2 TU: 5
RI	Rhode Island	NI
SC	South Carolina	EQ: 1
SD	South Dakota	EX: 2 EQ: 1 TU: 1
TN	Tennessee	EX: 2 EQ: 6 TU: 1
TX	Texas	EX: 32 EQ: 10 TU: 2
UT	Utah	TU: 2
VT	Vermont	NI
VA	Virginia	EX: 5 EQ: 7 TU: 1
WA	Washington	EX: 8 EQ: 7 TU: 4
WV	West Virginia	NI
WI	Wisconsin	EX: 3
WY	Wyoming	NI
DC	District Of Colombia	EX: 3

What Happens If Your Report Is Frozen?

If you have a frozen report with Citibank, they are unwilling to pull a different report unless that report is Experian. You can give them a PIN to access the report they want to pull, allowing you to keep that report frozen.

Our Verdict

Citibank will mostly use your Experian report – with Equifax also being quite likely. In rare cases they will pull your TransUnion report instead.