Bank of America is one of the easier banks to get approved for multiple credit cards for as of 2016 and it’s quite substantial that we come to terms with what consumer reporting agency ranging from Experian, Equifax, and TransUnion that Bank of America would pull from when you apply for a new credit card. Multiple variables come into play when it comes to the decision of what credit bureau is pulled with Bank of America and it mostly depends on the state that you reside in and the certain reports that you froze.
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Bank of America Credit Pull Table:
Editor’s Note: Statistics and credibility is solely entitled to CreditBoards. In order to express the utmost clarity and conveyance, the credit bureaus will be abbreviated accordingly:
- Trans-Union= TU
- Experian= EX
- Equifax= EQ
- N/A= Not Applicable
| Abbrevation | State Name | Credit Bureau Pulled |
| AL | Alabama | EX |
| AK | Alaska | EX |
| AZ | Arizona | TU, EQ |
| AR | Arkansas | EX |
| CA | California (CA) | EX, TU,EQ |
| CO | Colorado | TU |
| CT | Connecticut | TU |
| DE | Delaware | EX, TU |
| FL | Florida | EX, TU |
| GA | Georgia | EX, TU |
| HI | Hawaii | EQ, TU |
| ID | Idaho | EX |
| IL | Illinois | EX, TU, EQ |
| IN | Indiana | NI |
| IA | Iowa | NI |
| KS | Kansas | NI |
| KY | Kentucky | EX, TU |
| LA | Louisiana | EX, TU, EQ |
| ME | Maine | NI |
| MD | Maryland | EX, TU |
| MA | Massachusetts | EX, TU |
| MI | Michigan | EX, TU |
| MN | Minnesota | EQ |
| MS | Mississippi | EX |
| MO | Missouri | NI |
| MT | Montana | NI |
| NE | Nebraska | NI |
| NV | Nevada | EX, TU |
| NH | New Hampshire | EX, TU |
| NJ | New Jersey | EX, TU |
| NM | New Mexico | NI |
| NY | New York | EX, TU, EQ |
| NC | North Carolina | EX, TU, EQ |
| ND | North Dakota | NI |
| OH | Ohio | NI |
| OK | Oklahoma | NI |
| OR | Oregon | EX, TU |
| PA | Pennsylvania | EX, TU |
| RI | Rhode Island | EX |
| SC | South Carolina | EX, TU |
| SD | South Dakota | NI |
| TN | Tennessee | NI |
| TX | Texas | EX, TU |
| UT | Utah | NI |
| VT | Vermont | NI |
| VA | Virginia | EX |
| WA | Washington | EX, TU, EQ |
| WV | West Virginia | NI |
| WI | Wisconsin | EQ |
| WY | Wyoming | NI |
| DC | District Of Colombia | EX |
Conclusion:
Each consumer reporting agency collects their own information, calculating your score based on the information that they deem fit so it’s completely necessary to map out the information that Bank of American pulls from. Experian looks like the prominent contender for Bank of America when it comes to Credit bureaus pull from. Reiterating that the biggest factor in coming to a decision which credit bureau to pull from relies on what credit report is frozen… In which, they will choose another report or what state that you live in. Now, some have pointed out that although they froze their reports, Bank of America did not pull from another credit bureau… This could allow us to factor in if you’re a loyal and high-credit score customer of Bank of America. Also, Bank of America may pull from Transunion for Business Cards. Find out which card is fit for you by checking out our complete list of Credit Card Promotions today!
If I have a credit card, that was court ordered for divorced spouse to take sole responsibility of, how can I get it removed from my credit report ? This card was used by someone other than me. and proven so.
There are 2 credit cards , court ordered to be paid, the other is Discover !
I just applied for a BofA Business Visa in person in my Branch through my business Banker. Had a 721 TU prior to applying with a rather thin file, only 6 total accounts. I got an immediate alert from CK that there was a hard inquiry from Trans Union on my report, and my score lost 5 points so now 716. My banker said I should get a reply by the end of the week. The fact that it was not an immediate decline, was a good sign to him. I will update when I have news.