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:

• American Express
• Bank of America
• Barclaycard
• Capital One
• Chase
• Citi
• Discover
• 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 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.