Bureau Pull Database

Which bank pulls which credit bureau, from dated, crowdsourced data points. Every point links to its public source, and the last 12 months are highlighted. 96 data points across 11 issuers.

Submit a data point

Chase

EX varies by state

11 data points · latest Dec 2025 · confidence medium

American Express

9 data points · latest Jun 2025 · confidence high

Bank of America

EX varies by state

9 data points · latest Oct 2025 · confidence medium

Citi

EX EQ varies by state

13 data points · latest Apr 2025 · confidence medium

Capital One

EX EQ TU

8 data points · latest Sep 2024 · confidence high

Discover

EX EQ TU varies by state

4 data points · latest Aug 2023 · confidence low

U.S. Bank

TU varies by state

8 data points · latest Jul 2025 · confidence medium

Wells Fargo

EX TU varies by state

9 data points · latest Nov 2025 · confidence low

Barclays

2 data points · latest Oct 2024 · confidence high

Navy Federal Credit Union

TU varies by state

11 data points · latest Jun 2025 · confidence low

Synchrony Bank (store cards)

TU varies by state

12 data points · latest Mar 2025 · confidence low

All data points

State

				Card		Source
Chase	Dec 13, 2025 last 12 mo	FL	EX	Chase Freedom Unlimited Personal · Commenter: 'Applied for CFU on the 13th, pulled Experian.' Read from a search-engine excerpt because Reddit blocks automated fetching.	—	Reddit r/CreditCards comment (u/Branye23, posted 2025-12-22)
Chase	Nov 2025 last 12 mo	FL	EX	Chase Sapphire Reserve Personal · Commenter: 'Had CSR in November. Pulled EX in FL.' Read from a search-engine excerpt.	—	Reddit r/CreditCards comment (u/Throwaway3475918, posted 2025-12-22)
Chase	Nov 13, 2025 last 12 mo	CA	EX	United Explorer Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Wells Fargo	Nov 8, 2025 last 12 mo (post date)	—	TU	Wells Fargo (card not stated) Personal · 'Wells Fargo pulled transUnion - L'. No state given. Date = post date.	Denied	Public X post (@Vinnyrumba, 2025-11-08)
Bank of America	Oct 2, 2025	CA	EX	B of A bank of america Personal	Approved	CreditBoards CreditPulls (user-submitted record)
U.S. Bank	Jul 24, 2025 (post date)	TX	EX	U.S. Bank (card not stated; thread about Smartly) Personal · 'Experian in TX.' Date = comment date.	—	Reddit r/CreditCards comment (posted 2025-07-24)
Navy Federal Credit Union	Jun 27, 2025	TX	TU	Navy Federal Personal	Approved	CreditBoards CreditPulls (user-submitted record)
American Express	Jun 15, 2025	CA	EX	American Express Blue Business Plus Business	Denied	CreditBoards CreditPulls (user-submitted record)
American Express	Jun 14, 2025	NC	EX	Amex Hilton Honors Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Navy Federal Credit Union	Apr 30, 2025	CA	TU	NFCU Personal	Denied	CreditBoards CreditPulls (user-submitted record)
Citi	Apr 16, 2025	FL	EQ	Home Depot (Citibank) Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Synchrony Bank (store cards)	Mar 25, 2025	FL	TU	Rooms to Go (Syncrony Bank) Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Citi	Mar 24, 2025	FL	EX	Best Buy (Citibank Visa) Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Synchrony Bank (store cards)	Mar 5, 2025	FL	TU	Lowes/issued by Synchronicity Personal	Approved	CreditBoards CreditPulls (user-submitted record)
U.S. Bank	Feb 10, 2025 (post date)	CA	EX	U.S. Bank (card not stated; thread about Smartly) Personal · 'Depends on your state. US Bank pulls EX in CA.' The date is when the comment was posted, not the application date.	—	Reddit r/CreditCards comment (posted 2025-02-10)
U.S. Bank	Feb 10, 2025 (post date)	NJ	TU	U.S. Bank (card not stated; thread about Smartly) Personal · 'It was TransUnion for me in NJ.' Date = comment date.	—	Reddit r/CreditCards comment (posted 2025-02-10)
U.S. Bank	Feb 10, 2025 (post date)	IL	TU	U.S. Bank (card not stated; thread about Smartly) Personal · 'TU for me in Chicago.' Date = comment date.	—	Reddit r/CreditCards comment (posted 2025-02-10)
U.S. Bank	Feb 10, 2025 (post date)	MN	TU	U.S. Bank (card not stated; thread about Smartly) Personal · 'TU in MN.' Date = comment date.	—	Reddit r/CreditCards comment (posted 2025-02-10)
Chase	Jan 14, 2025	FL	EX	Chase Ink Business Unlimited Business	Approved	CreditBoards CreditPulls (user-submitted record)
Wells Fargo	Jan 13, 2025	NJ	EX	Wells Fargo Personal · Bilt cards were issued by Wells Fargo at the time	Approved	CreditBoards CreditPulls (user-submitted record)
Barclays	Oct 20, 2024	NC	TU	Hawaiian Airlines MC Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Wells Fargo	Oct 4, 2024	AZ	EX	Well Fargo Active Cash Visa Card Personal · Bilt cards were issued by Wells Fargo at the time	Approved	CreditBoards CreditPulls (user-submitted record)
Synchrony Bank (store cards)	Sep 25, 2024	NH	TU	Amazon Synchrony Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Capital One	Sep 23, 2024	KY	TU	Capital One Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Synchrony Bank (store cards)	Aug 29, 2024	NY	TU	Synchrony (Amazon Store Card) Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Chase	Jul 11, 2024	GA	EX	Chase Sapphire Preferred Visa Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Citi	Jul 11, 2024	GA	EX	Citi Simplicity Personal	Denied	CreditBoards CreditPulls (user-submitted record)
American Express	Jul 1, 2024	CA	EX	Amex Blue Cash Preferred Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Wells Fargo	Jun 20, 2024	NV	EX	Bilt Mastercard Personal · Bilt cards were issued by Wells Fargo at the time	Approved	CreditBoards CreditPulls (user-submitted record)
Bank of America	Jun 10, 2024	NC	EX	BofA Alaska Airlines Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Navy Federal Credit Union	May 31, 2024	CA	TU	NFCU Personal	Approved	CreditBoards CreditPulls (user-submitted record)
U.S. Bank	Apr 12, 2024	MI	TU	U.S. Bank Cash+ Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Bank of America	Apr 5, 2024	CA	EX	Bank of America Alaska Airlines Visa Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Bank of America	Mar 8, 2024	GA	EQ	Bank of America Visa (Secured) Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Citi	Mar 8, 2024	GA	EQ	Citi Bank Diamond Mastercard (Secured) Personal	Denied	CreditBoards CreditPulls (user-submitted record)
American Express	Feb 18, 2024	MI	EX	American Express Marriott Bonvoy Business Business	Approved	CreditBoards CreditPulls (user-submitted record)
American Express	Jan 31, 2024	TX	TU EX	Hilton Honors Aspire Amex Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Citi	Jan 31, 2024	TX	EQ	Citi AAdvantage Executive World Elite MasterCard Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Synchrony Bank (store cards)	Jan 20, 2024	MD	TU	Synchrony Bank / Chevron Texaco Card Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Synchrony Bank (store cards)	Jan 18, 2024	TX	TU EX	Synchrony eBay Mastercard Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Capital One	Jan 17, 2024	TX	EQ TU EX	Capital One SavorOne Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Synchrony Bank (store cards)	Jan 17, 2024	TX	TU	Synchrony Verizon Visa Personal	Approved	CreditBoards CreditPulls (user-submitted record)
American Express	Jan 5, 2024	FL	EX	Amex BCE Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Wells Fargo	Jan 3, 2024	TX	EX	Bilt World Elite MasterCard by Wells Fargo Personal · Bilt cards were issued by Wells Fargo at the time	Approved	CreditBoards CreditPulls (user-submitted record)
Navy Federal Credit Union	Dec 18, 2023	WA	EQ	NFCU Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Chase	Dec 11, 2023	TX	EX	Chase Freedom Unlimited Visa Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Synchrony Bank (store cards)	Dec 8, 2023	CA	EX	SYNCB/PAYPAL CREDIT CARD paypal master card Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Capital One	Nov 20, 2023	TX	EQ TU EX	Capital One Venture Visa Signature Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Synchrony Bank (store cards)	Nov 20, 2023	TX	TU	Venmo Synchrony Visa Signature Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Navy Federal Credit Union	Nov 13, 2023	NJ	TU	Navy Federal Credit Union Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Synchrony Bank (store cards)	Nov 12, 2023	CA	EX	synchrony-lenovo Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Navy Federal Credit Union	Nov 11, 2023	FL	EQ	NFCU Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Chase	Oct 24, 2023	NC	EX	Chase Freedom Flex Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Bank of America	Oct 11, 2023	CA	EX	Bank of America® Customized Cash Rewards Credit Card Personal	Denied	CreditBoards CreditPulls (user-submitted record)
Barclays	Sep 28, 2023	CA	TU	Banana Republic Barclays Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Chase	Sep 28, 2023	CA	EX	Chase Sapphire Preferred Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Navy Federal Credit Union	Sep 28, 2023	CA	TU	NFCU Personal	Approved	CreditBoards CreditPulls (user-submitted record)
U.S. Bank	Sep 11, 2023	MI	EX	US Bank Cash+ Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Citi	Sep 9, 2023	MI	EQ	Citi Custom Cash Card Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Citi	Aug 23, 2023	TX	EQ	Citibank Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Synchrony Bank (store cards)	Aug 23, 2023	AZ	EX	Verizon/Synchrony Bank Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Discover	Aug 16, 2023	OH	EX	Discover Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Discover	Aug 15, 2023	GA	EX	Dicover Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Bank of America	Aug 2, 2023	CO	EX	Bank of America Unlimited Cash Rewards Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Navy Federal Credit Union	Jul 21, 2023	WA	EQ	NFCU Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Citi	Jul 20, 2023	TX	EX	Citibank Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Wells Fargo	Jul 20, 2023	TX	EQ	Wells Fargo Personal · Bilt cards were issued by Wells Fargo at the time	Approved	CreditBoards CreditPulls (user-submitted record)
Chase	Jul 10, 2023	TX	EX	Chase Amazon Prime Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Wells Fargo	Jun 10, 2023	NC	EX	BILT Mastercard Personal · Bilt cards were issued by Wells Fargo at the time	Approved	CreditBoards CreditPulls (user-submitted record)
Navy Federal Credit Union	Jun 4, 2023	WA	EQ	NFCU Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Citi	Jun 2, 2023	CA	EX	Citi Custom Cash Personal	Approved	CreditBoards CreditPulls (user-submitted record)
U.S. Bank	Jun 2, 2023	MD	EQ	US Bank Cash+ Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Citi	May 20, 2023	GA	EQ	Citi Double Cash Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Capital One	May 5, 2023	GA	EQ TU EX	Capital One SavorOne Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Wells Fargo	Apr 21, 2023	NV	EX	wHells Fargo Choice hotels Orange Card Personal · Bilt cards were issued by Wells Fargo at the time	Approved	CreditBoards CreditPulls (user-submitted record)
Discover	Apr 18, 2023	GA	EQ	Discover It Secured Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Bank of America	Apr 17, 2023	CA	EX	Bank of America BofA Travel Rewards Visa Personal	Approved	CreditBoards CreditPulls (user-submitted record)
American Express	Apr 13, 2023	IN	EX	American Express Delta Skymiles Gold (Amex) Personal	Approved	CreditBoards CreditPulls (user-submitted record)
American Express	Apr 1, 2023	WA	EX	American Express Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Citi	Mar 31, 2023	NV	EQ	Citi Costco Visa Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Chase	Mar 18, 2023	WA	TU	JP Morgan Chase (JPMCB Card Services) Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Bank of America	Mar 14, 2023	PA	EX	Bank of America Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Chase	Mar 12, 2023	NC	EX	Chase Hyatt Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Synchrony Bank (store cards)	Mar 1, 2023	CA	TU	Synchrony/Venmo Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Discover	Feb 23, 2023	CA	EX	Discover It Miles Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Navy Federal Credit Union	Feb 22, 2023	CA	TU	Navy FCU Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Capital One	Feb 15, 2023	MN	TU	Capital One Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Capital One	Jan 27, 2023	CA	TU	Union Plus Cash Rewards Cap1 Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Navy Federal Credit Union	Jan 22, 2023	WA	TU	NFCU Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Wells Fargo	Jan 21, 2023	IN	EX	Wells Fargo Active Cash Personal · Bilt cards were issued by Wells Fargo at the time	Approved	CreditBoards CreditPulls (user-submitted record)
Bank of America	Jan 20, 2023	CA	TU	Bank of America Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Citi	Jan 20, 2023	CA	EQ	Best Buy Visa/Citibank Personal	Approved	CreditBoards CreditPulls (user-submitted record)
American Express	Jan 15, 2023	NC	EX	Amex Blue Business Plus Business	Approved	CreditBoards CreditPulls (user-submitted record)
Citi	Jan 10, 2023	NY	EX	Citi Personal	Approved	CreditBoards CreditPulls (user-submitted record)
Capital One	Jan 3, 2023	NH	TU	Capital One Personal	Denied	CreditBoards CreditPulls (user-submitted record)
Capital One	Jan 3, 2023	NH	TU	Capital One Personal	Approved	CreditBoards CreditPulls (user-submitted record)

How to read this

Data points come from public, user-submitted records (mostly CreditBoards' CreditPulls database, plus a few dated public forum and social posts). Each is a single person's report.
Confidence on issuer pages combines how many points we have, how recent they are, and whether independent trackers agree.
The seed set is thin and partly stale: most points are from 2023 to 2025. Your submissions are how this gets better.