Which Banks Pull From Transunion - T-Tees - Your Answers Await, Life's Questions Unraveled

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Updated: 05/15/2023

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There are lots of reasons why people may want to submit several credit card applications at the same time; getting multiple welcome bonuses at once, getting more money on 0% APR, and more. When a credit card issuer sees too many recent credit inquiries on your credit report then they may decline your credit card application due to too many recent inquiries. If you’re planning to apply for several credit cards at the same time you need to do it smartly so you don’t get declined due to the new credit inquiries.

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Years ago, it was possible to apply for multiple credit cards by submitting the applications within the same second using different browsers. This used to help avoid the banks from seeing each other’s credit inquiries. This trick is now dead. The credit bureaus update credit reports within a microsecond and it is impossible for you to act faster and submit a second application before the first credit inquiry shows up.

Thankfully, most credit card issuers only pull one of your three credit reports. So you can apply for multiple credit cards by making sure you split up the credit inquiries between the three credit bureaus by choosing the right banks.

If you apply for multiple cards within the same bank on the same day then sometimes the bank will only pull your credit once. More info on that can be found here.

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Here’s a list of which credit bureau each credit card issuer usually pulls. Alternatively, you can check out our Credit Card Database where users report real-time information on which credit bureau was pulled on their recent applications.

American Express will usually pull your Experian credit report.

For existing Amex cardholders, Amex does not pull your credit for new credit card applications.

New! With the new “Apply With Confidence” feature, Amex will first do only a soft pull on your credit report and will let you know if approved or not. Only after you accept the approval will Amex do a hard pull on your credit (this feature is currently only available on Amex consumer cards. See more details below*)

See more data in our Credit Card Database.

Apple Card – Goldman Sachs

Apple card -Goldman Sachs Bank will only do a soft pull when you apply. They will tell you if you are approved or not and for which credit limit you are approved for, and only once you accept the approval will they do a hard pull. They will usually pull either your Equifax or Transunion credit report.

Some have had success of avoiding the hard pull by freezing Transunion and Equifax after the preapproval, but before the final decision).