Which credit bureau does Chase pull?
Short answer EX Experian (varies by state)
Most often Experian. Public data points show the bureau varies by state and sometimes by card.
Confidence: Medium: clear lean, with exceptions · 11 dated data points (3 in the last 12 months) · Updated 2026-10-17
What the data points show
Counts bureaus across individual user-reported data points since 2023. A single application can pull more than one bureau.
What other trackers say
- Doctor of Credit (as of undated (page accessed 2026-10-17)): Bureau depends on your state.
- StackEasy (as of 2026-08-31): Varies by state and card, no fixed default. Notes DoC's state-by-state Chase breakdown was last substantively updated in 2014.
- finbarrow (as of 2026-06-18): Experian (varies most). Equifax and TransUnion appear by state.
- CardRight (as of 2023-05-15): Usually Experian, occasionally Experian plus Equifax.
These are secondary summaries. Some are years old (see the "as of" date). Each one is linked so you can check it yourself.
Data points by date
| Card | Source | ||||
|---|---|---|---|---|---|
| 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) |
| 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) |
| last 12 mo | CA | EX | United Explorer Personal |
Approved | CreditBoards CreditPulls (user-submitted record) |
| FL | EX | Chase Ink Business Unlimited Business |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| GA | EX | Chase Sapphire Preferred Visa Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| TX | EX | Chase Freedom Unlimited Visa Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| NC | EX | Chase Freedom Flex Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| CA | EX | Chase Sapphire Preferred Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| TX | EX | Chase Amazon Prime Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| WA | TU | JP Morgan Chase (JPMCB Card Services) Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| NC | EX | Chase Hyatt Personal |
Approved | CreditBoards CreditPulls (user-submitted record) |
Highlighted rows are from the last 12 months. Data points are self-reported by applicants on public forums and may be wrong or incomplete. We link every one to where it came from.
By state
| State | Bureau counts |
|---|---|
| CA | EX: 2 |
| FL | EX: 3 |
| GA | EX: 1 |
| NC | EX: 2 |
| TX | EX: 2 |
| WA | TU: 1 |
Chase 0% intro APR offers we track
- Chase Freedom Unlimited®: purchases 0% for 15 mo; BTs 0% for 15 mo (verified 2026-10-17)
- Chase Freedom Flex®: purchases 0% for 15 mo; BTs 0% for 15 mo (verified 2026-10-17)
- Chase Slate® Credit Card: purchases 0% for 21 mo; BTs 0% for 21 mo (verified 2026-10-17)
- United Gateway℠ Card (Chase): purchases 0% for 12 mo; BTs — (verified 2026-10-17)
- Ink Business Unlimited®: purchases 0% for 12 mo; BTs — (verified 2026-10-17)
- Ink Business Cash®: purchases 0% for 12 mo; BTs — (verified 2026-10-17)
FAQ
Which credit bureau does Chase pull?
Most often Experian. Public data points show the bureau varies by state and sometimes by card. In StackScout's 11 dated, sourced data points since 2023, Experian appears 10 times, TransUnion appears 1 time. Confidence: Medium: clear lean, with exceptions.
Does Chase pull a different bureau depending on my state?
Public data points suggest the bureau can vary by state (and sometimes by card or channel). Check the state filter below, and remember that one report is just one report.
Can I find out which bureau Chase will pull before I apply?
Not with certainty. Issuers don't publish this, and it can change. Recent data points from your state are the best signal. Afterward, the new hard inquiry on your credit reports shows which bureau was pulled.