Bureau Pull Summary: All 9 Major Issuers
Percentage of states in which each issuer pulls each bureau. Some issuers are consistent nationwide; others vary significantly by state.
| Issuer | Primary Bureau | Experian | Equifax | TransUnion | Notes |
|---|---|---|---|---|---|
| American Express | Experian | 98% | 2% | 4% | Almost exclusively Experian nationwide |
| Bank of America | All three | 90% | 86% | 96% | Frequently pulls 2-3 bureaus |
| Barclays | TransUnion | 0% | 0% | 100% | TransUnion exclusively, no exceptions |
| Capital One | All three | 78% | 96% | 82% | Known for multi-bureau pulls |
| Chase | Experian | 92% | 88% | 80% | Often pulls 2 bureaus; primary varies by state |
| Citi | Experian | 96% | 94% | 4% | Experian + Equifax in most states |
| Discover | Experian | 98% | 2% | 0% | Experian almost exclusively |
| U.S. Bank | TransUnion | 4% | 2% | 98% | TransUnion in nearly all states |
| Wells Fargo | Experian | 98% | 2% | 94% | Usually Experian + TransUnion |
Chase pulls Experian in 92% of U.S. states, American Express pulls Experian in 98%, and Barclays pulls TransUnion in 100% of states with no exceptions (StackEasy credit bureau pull database, 695 verified data points, 2026).
Predictability: Single-Bureau vs Multi-Bureau Issuers
Four issuers are highly predictable single-bureau pullers; three routinely pull two or three bureaus at once.
| Pattern | Issuer | Behavior | Known Exceptions |
|---|---|---|---|
| Single-bureau | Barclays | TransUnion in 100% of states | None |
| Single-bureau | American Express | Experian in 98% of states | Florida (all three), Georgia (TransUnion only) |
| Single-bureau | Discover | Experian in 98% of states | Florida (Equifax instead) |
| Single-bureau | U.S. Bank | TransUnion in 98% of states | Florida and Texas |
| Multi-bureau | Capital One | Equifax 96%, TransUnion 82%, Experian 78% | Often two or three at once |
| Multi-bureau | Bank of America | TransUnion 96%, Experian 90%, Equifax 86% | Frequently pulls 2-3 bureaus |
| Varies by state | Chase | Experian 92%, Equifax 88%, TransUnion 80% | California (TransUnion only), Texas (Experian only), Florida (all three) |
Capital One pulls Equifax in 96% of states, Experian in 78%, and TransUnion in 82% — in many states it pulls two or three bureaus at once, making it the hardest major issuer to limit inquiry exposure with (StackEasy, 2026).
State Outliers Worth Knowing
Four states where issuer pull behavior deviates most from national defaults.
| State | Outlier Behavior |
|---|---|
| Florida | Hardest state for limiting inquiries — most issuers pull all three bureaus, including Amex, Chase, Citi, and Wells Fargo |
| Georgia | Equifax-heavy (Equifax is headquartered in Atlanta) — Chase, Citi, Capital One, and Amex all pull Equifax |
| California | Chase pulls only TransUnion (not its Experian default); Citi also switches to TransUnion-only |
| New York | Bank of America pulls only TransUnion, Capital One only Equifax, Chase only Experian |
Florida is the hardest U.S. state for limiting credit inquiries: most major issuers — including American Express, Chase, Citi, and Wells Fargo — pull all three credit bureaus there (StackEasy credit bureau pull database, 2026).
Methodology & Source
This page summarizes StackEasy's credit bureau pull database: 695 verified data points covering 9 major card issuers across all 50 U.S. states. Percentages represent the share of states in which an issuer pulls a given bureau. The full database includes a state-by-state table for every issuer and bureau combination.
Data is structured, searchable, and regularly updated. Free to cite with attribution and a link to this page. Raw data: bureau-pulls.json API.
Data Questions
Which credit bureau does Chase pull?
Chase pulls Experian in 92% of states, but also pulls Equifax in 88% and TransUnion in 80% of states, often pulling 2 bureaus at once. Notable exceptions: in California Chase pulls only TransUnion, in Texas only Experian, and in Florida all three.
Which card issuers pull only one credit bureau?
Barclays is the most predictable issuer, pulling TransUnion in 100% of states. American Express pulls Experian in 98% of states, Discover pulls Experian in 98% of states, and U.S. Bank pulls TransUnion in 98% of states.
Which issuers pull all three credit bureaus?
Capital One is known for multi-bureau pulls: Equifax in 96% of states, TransUnion in 82%, and Experian in 78%, often two or three at once. Bank of America is similar, pulling TransUnion in 96%, Experian in 90%, and Equifax in 86% of states.
Which state is hardest for limiting credit inquiries?
Florida is the hardest state for limiting inquiries: most issuers pull all three bureaus there, including American Express, Chase, Citi, and Wells Fargo. Georgia is Equifax-heavy, with Chase, Citi, Capital One, and Amex all pulling Equifax.