Credit Cards that only use TransUnion (2024)

AJ67

New Contributor

Mark as New
Bookmark
Subscribe
Mute
Subscribe to RSS Feed
Permalink
Print
Report Inappropriate Content

‎02-01-202401:43 AM

Credit Cards that only use TransUnion

I have about 3 inquiries in EXP and 2 inquiries in EQ. However, I only have 1 inquiry in TU. It was about a year ago. I want to get one more credit card that has a 0% interest for BT. So I'm trying to find one that pulls a TU. I think I'll have a better chance for approval.

Labels:

Balance transfer

Message 1 of 17

3Kudos

All forum topics
Previous Topic
Next Topic

«Previous
- 1
- 2
Next»

16 REPLIES 16

Classroom-Middle

Established Member

Mark as New
Bookmark
Subscribe
Mute
Subscribe to RSS Feed
Permalink
Print
Report Inappropriate Content

‎02-01-202402:01 AM

Re: Credit Cards that only use TransUnion

This depends on where you live but heres a short list ... Navy Fed, BMO harris, US Bank, Apple FCU, Teachers FCU, Elan Financial, The Apple Card, The GM card. good luck.

Message 2 of 17

3Kudos

coldfusion

Community Leader
Mega Contributor

Mark as New
Bookmark
Subscribe
Mute
Subscribe to RSS Feed
Permalink
Print
Report Inappropriate Content

‎02-01-202404:55 AM

Re: Credit Cards that only use TransUnion

Barclays usually pulls TU.

Message 4 of 17

3Kudos

AJ67

New Contributor

Mark as New
Bookmark
Subscribe
Mute
Subscribe to RSS Feed
Permalink
Print
Report Inappropriate Content

‎02-01-202401:11 PM

Re: Credit Cards that only use TransUnion

@coldfusionwrote:
This thread has fallen by the wayside but it should at least give you some idea of likely candidates depending on which state you live in.
https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...

Thank you so much! This thread has a wealth of helpful information.

Message 5 of 17

2Kudos

AJ67

New Contributor

Mark as New
Bookmark
Subscribe
Mute
Subscribe to RSS Feed
Permalink
Print
Report Inappropriate Content

‎02-01-202401:13 PM

Re: Credit Cards that only use TransUnion

@NoHardLimitswrote:
Barclays usually pulls TU.

Thanks. I'm considering Barclays!

Message 6 of 17

2Kudos

youngandcreditwrthy

Senior Contributor

Mark as New
Bookmark
Subscribe
Mute
Subscribe to RSS Feed
Permalink
Print
Report Inappropriate Content

‎02-02-202409:56 AM

Re: Credit Cards that only use TransUnion

BOA is like a 70/80% chance theyll pull TU and Discover the same as well as most Synchrony bank products.

Id freeze the other two CRAs (can be done for free on their websites) and apply for those.

cap one will pull all three but you can get approved with tu only open and just take one credit hit by freezing the other two.

I dont think chase or citi will pull TU in any circ*mstance.

Message 7 of 17

1Kudo

AJ67

New Contributor

Mark as New
Bookmark
Subscribe
Mute
Subscribe to RSS Feed
Permalink
Print
Report Inappropriate Content

‎02-02-202410:39 AM

Re: Credit Cards that only use TransUnion

@youngandcreditwrthywrote:
BOA is like a 70/80% chance theyll pull TU and Discover the same as well as most Synchrony bank products.
Id freeze the other two CRAs (can be done for free on their websites) and apply for those.
cap one will pull all three but you can get approved with tu only open and just take one credit hit by freezing the other two.
I dont think chase or citi will pull TU in any circ*mstance.

Thanks for your insight!

Last month I got Discover...they only pulled EXP.

I'm thinking to apply for Barclays AARP Essential Reward Master Card. I already checked they almost always pull TU. In addition, you don't have to have an AARP membership to apply. My TU FiCO 8 score is now 780. 2 Months ago it was over 800, but I opened 3 new accounts in the last 2 months...so my score dropped. What I'm worried about is the number of new accounts. I was gardening for about 4 years as to credit cards. however, over a year ago I got an auto loan.

Message 8 of 17

1Kudo

coldfusion

Community Leader
Mega Contributor

Mark as New
Bookmark
Subscribe
Mute
Subscribe to RSS Feed
Permalink
Print
Report Inappropriate Content

‎02-02-202402:44 PM

Re: Credit Cards that only use TransUnion

@youngandcreditwrthywrote:
BOA is like a 70/80% chance theyll pull TU and Discover the same as well as most Synchrony bank products.
Id freeze the other two CRAs (can be done for free on their websites) and apply for those.
cap one will pull all three but you can get approved with tu only open and just take one credit hit by freezing the other two.
I dont think chase or citi will pull TU in any circ*mstance.

BoA almost exclusively pulls Experian for new credit applications although they did HP Equifax for my last card with them. Their go-to for CLI requests are Transunion soft pulls.

(5/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

Message 9 of 17

1Kudo

coldfusion

Community Leader
Mega Contributor

Mark as New
Bookmark
Subscribe
Mute
Subscribe to RSS Feed
Permalink
Print
Report Inappropriate Content

‎02-02-202403:01 PM

Re: Credit Cards that only use TransUnion

@AJ67wrote:
@youngandcreditwrthywrote:
BOA is like a 70/80% chance theyll pull TU and Discover the same as well as most Synchrony bank products.
Id freeze the other two CRAs (can be done for free on their websites) and apply for those.
cap one will pull all three but you can get approved with tu only open and just take one credit hit by freezing the other two.
I dont think chase or citi will pull TU in any circ*mstance.
Thanks for your insight!
Last month I got Discover...they only pulled EXP.
I'm thinking to apply for Barclays AARP Essential Reward Master Card. I already checked they almost always pull TU. In addition, you don't have to have an AARP membership to apply. My TU FiCO 8 score is now 780. 2 Months ago it was over 800, but I opened 3 new accounts in the last 2 months...so my score dropped. What I'm worried about is the number of new accounts. I was gardening for about 4 years as to credit cards. however, over a year ago I got an auto loan.

Barclay is a quirky lender and has historically been somewhat sensitive to new accounts, but if you're denied call them and ask for a reconsideration. You'll be transferred to an analyst who can update to an approval on the spot if you make a convincing enough case.

(5/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

Message 10 of 17

2Kudos

^† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.

Credit Cards that only use TransUnion (2024)

FAQs

Which lenders use TransUnion only? ›

This depends on where you live but heres a short list ... Navy Fed, BMO harris, US Bank, Apple FCU, Teachers FCU, Elan Financial, The Apple Card, The GM card.

Discover More ›

Is TransUnion usually the lowest credit score? ›

Is TransUnion always the lowest score? No, TransUnion credit scores are not always the lowest score. However, as users report, it is often lower than most other credit scores they have. Depending on the credit bureau and the scoring algorithm, your credit scores may change.

See Details ›

Which credit score uses TransUnion? ›

This is based on the VantageScore 3.0® scoring model. If you get a credit score from TransUnion, it is a VantageScore 3.0 credit score.

Tell Me More ›

Does the Apple Card only pull TransUnion? ›

Goldman Sachs uses TransUnion and other credit bureaus to evaluate your Apple Card application. If your credit score is low (for example, if your FICO9 score is lower than 600),⁵ Goldman Sachs might not be able to approve your Apple Card application.

Tell Me More ›

Which is better FICO or TransUnion? ›

The Three Bureaus and FICO

For example, an apartment manager who checks your credit may only look at Experian while a credit card company might only look at TransUnion. FICO was developed as an alternative to these bureaus. Many lenders prefer FICO because it paints a more holistic picture of the potential borrower.

Discover More Details ›

What is the credit score for an Apple Card? ›

Apple Card uses FICO Score 9. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval.

Get More Info ›

Why is FICO so much lower than TransUnion? ›

When the scores are significantly different across bureaus, it is likely the underlying data in the credit bureaus is different and thus driving that observed score difference.

Explore More ›

Why is TransUnion score so much higher? ›

The credit bureaus may have different information.

And a lender may report updates to different bureaus at different times. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score differing from your Equifax score.

What is a good credit score by age? ›

How Credit Scores Breakdown by Generation

Average FICO 8 Score by Generation
Generation	2022	2023
Generation Z (ages 18-26)	679 - Good	680 - Good
Millennials (27-42)	687 - Good	690 - Good
Generation X (43-58)	707 - Good	709 - Good

2 more rows

Read The Full Story ›

Does Credit Karma only use TransUnion? ›

The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those credit bureaus.

What credit score do you need for American Express? ›

In most cases, you need at least good credit to get approved for an American Express card, which FICO typically defines as a score of 670 or higher. Other banks also issue American Express cards.

Discover More Details ›

What credit bureau does Discover use? ›

Discover may pull from any of three major credit bureaus: Experian, Equifax and TransUnion, but it appears based on consumer-reported data the bank leans heavily on Equifax to source many credit reports, followed by Experian and TransUnion.

Tell Me More ›

What credit score do you need for an Amazon credit card? ›

Typically, you can qualify for Synchrony's Amazon store cards with a fair credit score (580 to 669). On the other hand, you'll likely need at least a good credit score (670 to 739) to qualify for one of the Amazon Visa cards from Chase.

Learn More Now ›

Do most lenders use TransUnion? ›

When you are applying for a mortgage to buy a home, lenders will typically look at all of your credit history reports from the three major credit bureaus – Experian, Equifax, and TransUnion. In most cases, mortgage lenders will look at your FICO score. There are different FICO scoring models.

Know More ›

Who pulls Experian only? ›

Some credit cards that use Experian only reportedly include Chase Sapphire Preferred and the Citi Premier Card, among others. There's no guarantee these credit cards use Experian 100 percent of the time.

Get More Info ›

Does FHA use TransUnion? ›

Potential FHA borrowers can do this in one of several ways-consumers may request a copy of their credit reports from each of the three major credit reporting agencies--Equifax, Experian, and TransUnion. Another option borrowers have is to make the request via a third party company such as GoFreeCredit.

Keep Reading ›