What Credit Bureau Does Barclaycard Pull?

Introduction

Find out what credit bureau (formally known as consumer reporting agencies) Barclaycard 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
• Bank of America
• 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 639 data points sourced from the Credit Boards Credit Pull page. Of those applications:

• 26 or ~4.31% of all applications pulled an Experian credit report
• 10 or ~1.56%  of all applications pulled an Equifax credit report
• 603 or ~94.37% of all applications pulled an TransUnion credit report
• Some of the time when another bureau was pulled other than TransUnion, they also pulled TransUnion

Abbrevation	State Name	Credit Bureau Pulled
AL	Alabama	TU: 6
AK	Alaska	TU: 2
AZ	Arizona	TU: 11
AR	Arkansas	TU: 4
CA	California (CA)	TU: 117 EX: 2 EQ: 1
CO	Colorado	TU: 11
CT	Connecticut	TU: 6
DE	Delaware	TU: 5
FL	Florida	TU: 53 EQ: 1 EX: 2
GA	Georgia	TU: 27 EX: 2 EQ: 1
HI	Hawaii	TU: 3
ID	Idaho	TU: 1 EQ: 1 EX: 1
IL	Illinois	TU: 23
IN	Indiana	TU: 4
IA	Iowa	TU: 2
KS	Kansas	TU: 5
KY	Kentucky	TU: 4
LA	Louisiana	TU: 3 EX: 1
ME	Maine	NI
MD	Maryland	TU: 11
MA	Massachusetts	TU: 15 EX: 1
MI	Michigan	TU: 17 EX: 1
MN	Minnesota	TU: 11
MS	Mississippi	TU: 3
MO	Missouri	TU: 4
MT	Montana	TU: 2
NE	Nebraska	TU: 1
NV	Nevada	TU: 16
NH	New Hampshire	TU: 4
NJ	New Jersey	TU: 11 EX: 3
NM	New Mexico	TU: 2
NY	New York	TU: 41 EX: 2 EQ: 3
NC	North Carolina	TU: 19 EQ: 1
ND	North Dakota	NI
OH	Ohio	TU: 11
OK	Oklahoma	TU: 5
OR	Oregon	TU: 8
PA	Pennsylvania	TU: 13 EX: 1 EQ: 1
RI	Rhode Island	TU: 1
SC	South Carolina	TU: 5
SD	South Dakota	TU: 2
TN	Tennessee	TU: 1
TX	Texas	TU: 67 EX: 8 EQ: 1
UT	Utah	TU: 2
VT	Vermont	TU: 1
VA	Virginia	TU: 12 EX: 1
WA	Washington	TU: 23 EX: 1
WV	West Virginia	NI
WI	Wisconsin	TU: 6
WY	Wyoming	NI
DC	District Of Colombia	TU: 2

What Happens If Your Report Is Frozen?

Honestly with Barclaycard we aren’t sure. This is because Barclaycard pretty much always pulls your TransUnion credit report and for most people this is their least used credit report, so there is no reason they would want to freeze it.

Our Verdict

Basically when it comes to Barclaycard, it’s almost certain they will pull your TransUnion credit report. This is really worth keeping in mind as most other card issuers use Experian or Equifax, so it’s nice to spread out your hard inquiries onto your TransUnion credit report. For more information on Barclaycard credit cards, I’d recommend reading this post.