What Credit Bureau Does U.S. Bank Pull?

Introduction

In this post we look at datapoints to see what credit bureau (or consumer reporting agency) U.S. Bank will pull for a credit card application based on the state you live in. We only looked at data points from 2014 onwards.

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

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 89 data points sourced from the Credit Boards Credit Pull page. Of those applications:

  • 22 or ~24.7% of all applications pulled an Experian credit report
  • 21 or ~23.6%  of all applications pulled an Equifax credit report
  • 46 or ~51.7% of all applications pulled an TransUnion credit report
Abbrevation State Name Credit Bureau Pulled
AL Alabama  TU: 1
AK Alaska  N/A
AZ Arizona  TU: 1
AR Arkansas  N/A
CA California  EX: 5 EQ: 1 TU: 9
CO Colorado  EX: 4
CT Connecticut  N/A
DE Delaware  TU: 1
FL Florida  EQ: 1 TU: 2
GA Georgia  EX: 1 EQ: 3 TU: 2
HI Hawaii  N/A
ID Idaho  N/A
IL Illinois  EQ: 2 TU: 10
IN Indiana  TU: 2
IA Iowa  EQ: 2
KS Kansas  N/A
KY Kentucky  N/A
LA Louisiana  N/A
ME Maine  N/A
MD Maryland  EQ: 1
MA Massachusetts  EX: 1
MI Michigan  TU: 1
MN Minnesota  EX: 1 TU: 2
MS Mississippi  N/A
MO Missouri  EQ: 1
MT Montana  N/A
NE Nebraska  EQ: 1
NV Nevada  EX: 2
NH New Hampshire  EX: 1
NJ New Jersey  TU: 2 EX: 1
NM New Mexico  N/A
NY New York  EX: 3 TU: 2
NC North Carolina  EQ: 1
ND North Dakota  N/A
OH Ohio  TU: 4
OK Oklahoma  N/A
OR Oregon  TU: 4
PA Pennsylvania  TU: 2
RI Rhode Island  N/A
SC South Carolina  EQ: 1
SD South Dakota  EQ: 2
TN Tennessee  N/A
TX Texas  EX: 3 EQ: 5
UT Utah  TU: 1
VT Vermont  N/A
VA Virginia  N/A
WA Washington  TU: 1
WV West Virginia  N/A
WI Wisconsin  N/A
WY Wyoming  N/A
DC District Of Colombia  N/A

What Happens If Your Report Is Frozen?

U.S. bank will not agree to pull a different report if the one they want to pull is frozen according to a reader.

Our Verdict

TransUnion is the most pulled by U.S. bank, that’s a good thing considering is probably the least used credit bureaus by other card issuers. Also keep in mind that it’s usually a good idea to freeze your ARS & SageStream reports before applying for a U.S. Bank card. You can learn more about U.S. Bank cards by reading this post.

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83 Comments
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Paul
Paul (@guest_1953524)
November 17, 2024 17:34

DC, three cards and US bank pulled equifax for each one

nobanklove
nobanklove (@guest_1953334)
November 17, 2024 09:16

DP – Utah – US Bank pulled TransUnion 10/24, had all bureaus thawed.

Elijah
Elijah (@guest_1949053)
November 11, 2024 13:42

In AZ, biz card app and USBAR app both pulled TU – Sep/Nov 2024. All bureaus unfrozen.

yb
yb (@guest_1948727)
November 11, 2024 02:33

FL pulled EQ in May and Nov this year

Leo
Leo (@guest_1941301)
October 30, 2024 18:42

In NJ applied with Experian frozen, got a message “Remove the security freeze”.

Agent mentioned they recommend keeping all 3 unfrozen, once the system is settled on one (EX) in this case, it won’t switch.

Unfroze EX and was able to submit the app.

David
David (@guest_1873078)
July 11, 2024 17:26

In CO, have applied for 5 business cards (2 different days) and all HPs went to TU.

PF
PF (@guest_1857819)
June 10, 2024 00:47

In VA USB pulled Equifax not Transunion

Bertrand
Bertrand (@guest_1849694)
May 24, 2024 16:43

In New York, USB pulls Experian for personal cards (they will not pull another bureau if EX is frozen). For business, I believe Transunion is the default (or if EX is, they will pull TU if EX is frozen).

James
James (@guest_1937856)
October 24, 2024 17:11

Yes, NY personal EX, biz TU

Hit
Hit (@guest_1847805)
May 21, 2024 16:57

In MD – EQ,EX and TU Unfrozen – Only EQ Pulled

bankbonus
bankbonus (@guest_1837765)
April 30, 2024 04:44

Leverage in NY, EX and TU unfrozen, pulled only TU with delayed approval