Wouldn’t it be nice if you knew before hand what Credit Bureau the credit card you are  most interested in pulls from? Well you can!

Thankfully there are three credit reporting agencies (Equifax, Experian & Transunion) and most banks normally only pull your report from one for credit card applications. (Capital One generally pulls all three.) This allows you to spread out your inquiries to make your credit profile look better to the bank.

A Fantastic Tool

While you can always check each of your credit reports to see which bank used which agency in the past, that isn’t necessarily the most efficient way to do it. Credit Boards maintains a “Credit Pulls Database“. This database contains information submitted from members of their site. Not only is the information generally accurate, but it is up to date as well.

The Credit Pulls Database is a very simple tool. It allows you to search by creditor, credit agency, state and score required. In the creditor field you can either generically type in the name of a bank such as “Chase” or you can specifically type in the name of a product like “Chase Freedom”. (Some banks use different agencies for different products.)

Based on this data, Chase seems to pull from Experian in Nevada.

After performing your search, you will find the results ordered from newest to oldest. If provided, you will see whether the person was approved or not, their score, the date and any other relevant data.


The Credit Pulls Database is a simple and easy tool to use to determine which agency a specific bank or creditor will use to pull your credit. When formulating a strategy for a round of applications, it is really important to diversify credit pulls as much as possible.

Visit here: https://creditboards.com/forums/index.php?s=c3fc1ea007fabdbf885118123b087b3a&app=creditpulls


1). CREDITOR NAME: Type in the creditors’ name (i.e., Wal-Mart, Target, Macy, and Wells Fargo)

2). CRA: You can select “N/A” or one of the credit reporting agencies (Experian, Equifax or TransUnion)

3). SCORE NEEDED: Leave the score needed blank or put in your current score.

4). STATE: Enter your state

Click “Search”