Contents
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:
- 22Â 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 | Â TU: 1 |
AK | Alaska | Â N/A |
AZ | Arizona | Â TU: 1 |
AR | Arkansas | Â N/A |
CA | California | Â EX: 5 EQ: 1 TU: 9 |
CO | Colorado | Â EX: 4 |
CT | Connecticut | Â N/A |
DE | Delaware | Â TU: 1 |
FL | Florida | Â EQ: 1 TU: 2 |
GA | Georgia | Â EX: 1 EQ: 3 TU: 2 |
HI | Hawaii | Â N/A |
ID | Idaho | Â N/A |
IL | Illinois | Â EQ: 2 TU: 10 |
IN | Indiana | Â TU: 2 |
IA | Iowa | Â EQ: 2 |
KS | Kansas | Â N/A |
KY | Kentucky | Â N/A |
LA | Louisiana | Â N/A |
ME | Maine | Â N/A |
MD | Maryland | Â EQ: 1 |
MA | Massachusetts | Â EX: 1 |
MI | Michigan | Â TU: 1 |
MN | Minnesota | Â EX: 1 TU: 2 |
MS | Mississippi | Â N/A |
MO | Missouri | Â EQ: 1 |
MT | Montana | Â N/A |
NE | Nebraska | Â EQ: 1 |
NV | Nevada | Â EX: 2 |
NH | New Hampshire | Â EX: 1 |
NJ | New Jersey | Â TU: 2 EX: 1 |
NM | New Mexico | Â N/A |
NY | New York | Â EX: 3 TU: 2 |
NC | North Carolina | Â EQ: 1 |
ND | North Dakota | Â N/A |
OH | Ohio | Â TU: 4 |
OK | Oklahoma | Â N/A |
OR | Oregon | Â TU: 4 |
PA | Pennsylvania | Â TU: 2 |
RI | Rhode Island | Â N/A |
SC | South Carolina | Â EQ: 1 |
SD | South Dakota | Â EQ: 2 |
TN | Tennessee | Â N/A |
TX | Texas | Â EX: 3 EQ: 5 |
UT | Utah | Â TU: 1 |
VT | Vermont | Â N/A |
VA | Virginia | Â N/A |
WA | Washington | Â TU: 1 |
WV | West Virginia | Â N/A |
WI | Wisconsin | Â N/A |
WY | Wyoming | Â N/A |
DC | District Of Colombia | Â N/A |
What Happens If Your Report Is Frozen?
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.
DC, three cards and US bank pulled equifax for each one
DP – Utah – US Bank pulled TransUnion 10/24, had all bureaus thawed.
In AZ, biz card app and USBAR app both pulled TU – Sep/Nov 2024. All bureaus unfrozen.
FL pulled EQ in May and Nov this year
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.
In CO, have applied for 5 business cards (2 different days) and all HPs went to TU.
In VA USB pulled Equifax not Transunion
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).
Yes, NY personal EX, biz TU
In MD – EQ,EX and TU Unfrozen – Only EQ Pulled
Leverage in NY, EX and TU unfrozen, pulled only TU with delayed approval