Further questions arose regarding as to what US Bank really pulls from when it comes to Credit Bureaus: TransUnion, Experia, and Equifax. In which case, it is necessary to give the most updated consensus possible, meaning presenting more recent information and providing a singularity as to what US Bank pulls from. Considering that US Bank is one of the hardest banks to get a card approved for, it’s all the more necessary that we take into account any viable information possible. Below is a table of credit bureaus that US Bank pulls from in regards to each state.
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US Bank 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
| St. Abbreviation | St. Name | Pulled Credit Bureau |
| AL | Alabama | TU |
| AK | Alaska | N/A |
| AZ | Arizona | TU |
| AR | Arkansas | N/A |
| CA | California | EX, EQ, TU |
| CO | Colorado | EX |
| CT | Connecticut | N/A |
| DE | Delaware | TU |
| FL | Florida | EQ, TU |
| GA | Georgia | EX, EQ, TU |
| HI | Hawaii | N/A |
| ID | Idaho | N/A |
| IL | Illinois | EQ, TU |
| IN | Indiana | TU |
| IA | Iowa | EQ |
| KS | Kansas | N/A |
| KY | Kentucky | N/A |
| LA | Louisiana | N/A |
| ME | Maine | N/A |
| MD | Maryland | EQ |
| MA | Massachusetts | EX |
| MI | Michigan | TU |
| MN | Minnesota | EX, TU |
| MS | Mississippi | N/A |
| MO | Missouri | EQ |
| MT | Montana | N/A |
| NE | Nebraska | EQ |
| NV | Nevada | EX |
| NH | New Hampshire | EX |
| NJ | New Jersey | TU, EX |
| NM | New Mexico | N/A |
| NY | New York | EX, TU |
| NC | North Carolina | EQ |
| ND | North Dakota | N/A |
| OH | Ohio | TU |
| OK | Oklahoma | N/A |
| OR | Oregon | TU |
| PA | Pennsylvania | TU |
| RI | Rhode Island | N/A |
| SC | South Carolina | EQ |
| SD | South Dakota | EQ |
| TN | Tennessee | N/A |
| TX | Texas | EX, EQ |
| UT | Utah | TU |
| VT | Vermont | N/A |
| VA | Virginia | N/A |
| WA | Washington | TU |
| WV | West Virginia | N/A |
| WI | Wisconsin | N/A |
| WY | Wyoming | N/A |
| DC | District Of Colombia | N/A |
Conclusion:
Firstly, each credit bureau collects its own information and calculates the scores based solely on the information that they choose adequate so it’s completely understandable to have your scores vary from one bureau to the next. Aside from that, it’s necessary to point out that U.S. Bank does pulls from Trans-union more than any other bureau. Considering that Trans-Union is the most un-used credit bureau amongst the other two major bureaus by other card issuing competitors, it could very well be a positive. Also, getting approved for a card with US Bank may be rather strenuous. It’s recommended that you freeze your ARS and SageStream reports prior to applying for a card. Keep in mind that U.S. Bank will most likely disagree to pulling a different report if the one report they want to pull is frozen. Find out which card is fit for you by checking out our complete list of US Bank Credit Cards or Credit Card Promotions today!
