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Which Credit Card companies use Equifax only?

Your credit report is important, as is the credit reporting agency

by Maria Laura
19 June, 2022 - Updated on 26 September, 2022
in Credit Card
Which Credit Card companies use Equifax only?

Banks use your credit report and credit score to evaluate whether you have the right profile to access their credit cards or not. However, they do not usually inform which credit bureau they take the information from.

Some banks do not only consider one credit bureau. Over the years, some banks have let you know which credit bureaus they take information from, allowing customers to re-evaluate their reports to determine things that could change.

Contents

  • Banks that take your credit information from Equifax
    • Discover
    • Chase Bank
    • CITIBANK
  • Issuers pull data from other credit bureaus in addition to Equifax

Banks that take your credit information from Equifax

Banks don’t typically use one single credit bureau to approve your credit cards. Still, many have Equifax as their primary entity or often use this information to support their products.

Discover

It was the first bank to offer a credit card with cashback; it has advantages depending on the card you have; some Discover credit cards that use Equifax to evaluate your information are:

  • Discover Cash Bank
  • Discover Balance Transfer
  • Discover Miles

Each one has different advantages, but they consider your Equifax credit score to approve you or not.

Chase Bank

Chase Bank is one of the leading banks in the United States and has different credit cards to suit your credit needs. Among the cards that will take the information from Equifax are:

  • Chase Freedom Flex
  • Chase Unlimited Freedom
  • Chase Slate Edge

CITIBANK

CITIBANK is among the oldest banks in the United States. Since 1812 is the largest credit issuer in the country. It usually uses different credit bureaus to determine whether you are eligible or not to access the benefit. However, it uses Equifax for the approval of:

  • Citi Double Cash Card
  • Citi Premier Card
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Both have many advantages regarding their annual APR and the rewards earned by redeeming points earned on purchases. However, you must have a good credit history with Equifax.

Issuers pull data from other credit bureaus in addition to Equifax

It’s important to remember that inquiries made by credit card or loan issuers typically impact your credit report, so they don’t always use the same bureau.

Generally, banks use at least two different credit bureaus to obtain your information and either approve or reject your benefits. Equifax is usually the default bureau used, so most focus on improving your score with this bureau.

In addition, each credit bureau specializes in specific information, Equifax is an expert in fraud information, but for educational credit score information, the best is TransUnion.

The bureau chosen by creditors will depend on the information they want to obtain; they can look at all of them or just Equifax. This information is complicated to determine because banks frequently do not disclose which one they will use. In conclusion, the idea is to maintain a good score in all the agencies to have better possibilities and access to better interest rates.

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      • Technical Interview
      • Sample thank you email after interview
      • You were fired on an application
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      • Kohl’s Job Application
      • Baskin Robbins Hiring Age
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      • Bed Bath & Beyond’s Credit Card Payment Process
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    • Transfer funds with Routing and Account Number
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    • Unsubsidized Student Loan
    • Borrow money from a millionaire
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    • Mortgage on 1 million
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    • Subscriber Id Insurance Card
    • United American Insurance Provider Portal
    • Unregistered Vehicle with Insurance
    • Home Insurance Claim Adjuster Secret Tactics
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    • Insurance walgreens accepts
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    • Beat contempt of court for child support
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