Chase uses all three major credit bureaus-Experian, Equifax, and TransUnion- for reporting and credit checks, but the specific bureau they pull your credit report from can depend on your location and the particular credit product.
- For personal accounts, Chase reports to Equifax, Experian, and TransUnion, sharing details such as payments, credit limits, and account status
- For business accounts, Chase reports to Equifax, Experian, and Dun & Bradstreet
- When Chase pulls credit reports for applications, Experian is their primary bureau overall, but they also use Equifax and TransUnion depending on the state and card type
- The choice of credit bureau varies by state. For example, Chase tends to pull from Experian in states like California, Florida, and New York; from Equifax in states like Arizona and Maryland; and from TransUnion in states like Illinois and Maine
- Chase reports authorized users to all three bureaus
In summary, Chase does not rely on a single credit bureau but uses all three major ones, with Experian being the most commonly used for credit pulls, supplemented by Equifax and TransUnion depending on geographic and product factors
