Which credit bureau does Citi pull?
Short answer EX EQ Experian and Equifax (varies by state)
Experian or Equifax, depending on state and product. Neither is a reliable default.
Confidence: Medium: clear lean, with exceptions · 13 dated data points (0 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 (CreditBoards data) (as of 2016-11-24): 241 of 458 (~53%) Experian; ~38% Equifax; ~9% TransUnion.
- StackEasy (as of 2026-08-31): Experian or Equifax, order unclear.
- finbarrow (as of 2026-06-18): Experian / Equifax; varies by state and product.
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
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 | EQ: 1 EX: 1 |
| FL | EQ: 1 EX: 1 |
| GA | EQ: 2 EX: 1 |
| MI | EQ: 1 |
| NV | EQ: 1 |
| NY | EX: 1 |
| TX | EQ: 2 EX: 1 |
Citi 0% intro APR offers we track
- Citi Simplicity® Card: purchases 0% for 18 mo; BTs 0% for 18 mo (verified 2026-10-17)
- Citi® Diamond Preferred® Card: purchases 0% for 12 mo; BTs 0% for 21 mo (verified 2026-10-17)
- Citi Double Cash® Card: purchases —; BTs 0% for 18 mo (verified 2026-10-17)
FAQ
Which credit bureau does Citi pull?
Experian or Equifax, depending on state and product. Neither is a reliable default. In StackScout's 13 dated, sourced data points since 2023, Experian appears 5 times, Equifax appears 8 times. Confidence: Medium: clear lean, with exceptions.
Does Citi 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 Citi 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.