Which of the credit bureaus is the one most companies look at when reviewing an application?

Answered on November 13, 2020
Updated on November 13, 2020
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
It is hard to say which one of the credit bureaus is used most by the banks and credit card issuers to view credit scores. Every bank has its own preferences and one bank may pull different reports in different states. Some banks pull credit reports from all credit bureaus. Therefore, we recommend you to choose a credit card or a bank to apply with – you can use our card finder tool for it - and then find out which credit reports are usually pulled by this bank in your state.

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The credit card companies and banks do not have an obligation to send a copy of a credit report to consumers. You can call the company and ask them to send you a copy of your credit report. The company may or may not send you a copy, depending on their policy and practice. You can get a free copy of your credit report once a year from each of the three major credit bureaus - TransUnion, Experian and Equifax. Just contact any of the bureaus to get your credit report.
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As a rule, banks are able to approve within two weeks. Sometimes the process can take up to a month, but only if a bank needs to verify some information. In some cases (usually for applicants with good credit), banks are able to provide approval within a couple of business days. When approved, your card should arrive in the mail within a week or two. Some banks offer expedited delivery, but usually it is not a free service. Note, that you can always contact the bank you applied with to find out the status of your application. Some banks even allow to do this online on their websites.

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