Chase will most likely pull your credit report from Experian. This information is based on historical data gathered from creditboards.com between 2002 and 2022 collectively from all US states.
An even distribution between TransUnion and Equifax make up the rest of the pulls.
However, these numbers reflect all hard inquiry credit pulls that Chase has conducted from all over the United States.
Therefore, it may be the case that Chase prefers to pull from only one particular bureau on a state by state basis.
The maps below show the areas in the United States where the three main credit bureaus are being pulled primarily by Chase.
US states where Chase pulls primarily from Experian
US states where Chase pulls primarily from TransUnion
US states where Chase pulls primarily from Equifax
It is also important to note that the data gathered includes pulls:
- associated with applications for credit cards, auto loans, etc
- regardless of whether the application was successful or denied with an adverse action notice
Does Chase pull from the same credit bureau for each state?
No, the credit bureau that Chase uses to pull your credit report is not always the same between states.
Below is a table which breaks down the historical data for each state, providing the likelihood for Chase to pull from each credit bureau.
The green percentage values indicate the credit bureau from which Chase has traditionally pulled the most for that state.
| State | TransUnion | Experian | Equifax |
|---|---|---|---|
| Alabama | 33.33% | 33.33% | 33.33% |
| Alaska | 20.00% | 40.00% | 40.00% |
| Arizona | 2.00% | 90.00% | 8.00% |
| Arkansas | 23.08% | 61.54% | 15.38% |
| California | 18.41% | 64.29% | 17.31% |
| Colorado | 16.00% | 76.00% | 8.00% |
| Connecticut | 12.90% | 83.87% | 3.23% |
| Delaware | 53.85% | 30.77% | 15.38% |
| Florida | 14.53% | 41.34% | 44.13% |
| Georgia | 16.07% | 24.11% | 59.82% |
| Hawaii | 40.00% | 60.00% | 0.00% |
| Idaho | 11.11% | 55.56% | 33.33% |
| Illinois | 61.62% | 30.30% | 8.08% |
| Indiana | 76.47% | 20.59% | 2.94% |
| Iowa | 40.00% | 60.00% | 0.00% |
| Kansas | 26.67% | 26.67% | 46.67% |
| Kentucky | 51.85% | 29.63% | 18.52% |
| Louisiana | 22.22% | 48.15% | 29.63% |
| Maine | 57.14% | 42.86% | 0.00% |
| Maryland | 18.75% | 16.67% | 64.58% |
| Massachusetts | 20.00% | 69.09% | 10.91% |
| Michigan | 74.16% | 19.10% | 6.74% |
| Minnesota | 8.33% | 25.00% | 66.67% |
| Mississippi | 50.00% | 0.00% | 50.00% |
| Missouri | 43.48% | 13.04% | 43.48% |
| Montana | 50.00% | 50.00% | 0.00% |
| Nebraska | 77.78% | 11.11% | 11.11% |
| Nevada | 14.00% | 64.00% | 22.00% |
| New Hampshire | 28.57% | 50.00% | 21.43% |
| New Jersey | 21.92% | 67.12% | 10.96% |
| New Mexico | 0.00% | 100.00% | 0.00% |
| New York | 25.31% | 63.58% | 11.11% |
| North Carolina | 13.64% | 26.14% | 60.23% |
| North Dakota | 0.00% | 50.00% | 50.00% |
| Ohio | 40.85% | 22.54% | 36.62% |
| Oklahoma | 50.00% | 25.00% | 25.00% |
| Oregon | 15.38% | 17.95% | 66.67% |
| Pennsylvania | 51.40% | 34.58% | 14.02% |
| Rhode Island | 0.00% | 66.67% | 33.33% |
| South Carolina | 9.09% | 36.36% | 54.55% |
| South Dakota | 14.29% | 57.14% | 28.57% |
| Tennessee | 17.24% | 31.03% | 51.72% |
| Texas | 19.44% | 58.80% | 21.76% |
| Utah | 29.41% | 58.82% | 11.76% |
| Vermont | 100.00% | 0.00% | 0.00% |
| Virginia | 12.90% | 20.97% | 66.13% |
| Washington | 17.91% | 32.84% | 49.25% |
| West Virginia | 25.00% | 50.00% | 25.00% |
| Wisconsin | 44.12% | 41.18% | 14.71% |
If a particular state is not listed, this would mean that there was insufficient data for that state.
We can take this a step further and break down the likely credit bureau from which Chase will pull for a particular credit card.
What will be evident is that the credit bureau from which Chase pulls your credit report will vary depending on the state in which you reside and the credit card for which you are applying.
What credit bureau does Chase use for Chase Freedom credit cards?
Chase will pull your credit report primarily from Experian if you apply for a Chase Freedom credit card.
This includes the following credit cards:
- Chase Freedom Unlimited
- Chase Freedom Flex
Your results may vary depending on which state Chase is pulling from though.
Below is a table showing the likelihood that Chase will pull from a particular credit bureau for each state when you apply for a Chase Freedom credit card.
| State | TransUnion | Experian | Equifax |
|---|---|---|---|
| Alabama | 44.44% | 22.22% | 33.33% |
| Arizona | 11.11% | 88.89% | 0.00% |
| Arkansas | 0.00% | 66.67% | 33.33% |
| California | 15.25% | 69.49% | 15.25% |
| Colorado | 30.77% | 69.23% | 0.00% |
| Connecticut | 0.00% | 100.00% | 0.00% |
| Delaware | 0.00% | 100.00% | 0.00% |
| Florida | 11.63% | 48.84% | 39.53% |
| Georgia | 20.83% | 33.33% | 45.83% |
| Idaho | 50.00% | 50.00% | 0.00% |
| Illinois | 56.25% | 37.50% | 6.25% |
| Indiana | 75.00% | 25.00% | 0.00% |
| Iowa | 33.33% | 66.67% | 0.00% |
| Kansas | 50.00% | 0.00% | 50.00% |
| Kentucky | 42.86% | 42.86% | 14.29% |
| Louisiana | 0.00% | 83.33% | 16.67% |
| Maryland | 25.00% | 12.50% | 62.50% |
| Massachusetts | 22.22% | 77.78% | 0.00% |
| Michigan | 63.16% | 31.58% | 5.26% |
| Minnesota | 0.00% | 33.33% | 66.67% |
| Mississippi | 100.00% | 0.00% | 0.00% |
| Missouri | 60.00% | 20.00% | 20.00% |
| Montana | 0.00% | 100.00% | 0.00% |
| Nebraska | 100.00% | 0.00% | 0.00% |
| Nevada | 20.00% | 80.00% | 0.00% |
| New Hampshire | 66.67% | 0.00% | 33.33% |
| New Jersey | 41.67% | 50.00% | 8.33% |
| New York | 38.71% | 54.84% | 6.45% |
| North Carolina | 0.00% | 37.50% | 62.50% |
| Ohio | 33.33% | 25.00% | 41.67% |
| Oklahoma | 50.00% | 50.00% | 0.00% |
| Oregon | 20.00% | 20.00% | 60.00% |
| Pennsylvania | 53.85% | 38.46% | 7.69% |
| South Carolina | 20.00% | 50.00% | 30.00% |
| South Dakota | 0.00% | 50.00% | 50.00% |
| Tennessee | 25.00% | 25.00% | 50.00% |
| Texas | 20.00% | 62.50% | 17.50% |
| Utah | 0.00% | 100.00% | 0.00% |
| Vermont | 100.00% | 0.00% | 0.00% |
| Virginia | 37.50% | 25.00% | 37.50% |
| Washington | 30.00% | 20.00% | 50.00% |
| Wisconsin | 0.00% | 100.00% | 0.00% |
What credit bureau does Chase use for Chase Sapphire credit cards?
Chase will pull your credit report primarily from Experian if you apply for a Chase Sapphire credit card.
This includes the following credit cards:
- Chase Sapphire Preferred
- Chase Sapphire Reserve
Your results may vary depending on which state Chase is pulling from though.
Below is a table showing the likelihood that Chase will pull from a particular credit bureau for each state when you apply for a Chase Sapphire credit card.
| State | TransUnion | Experian | Equifax |
|---|---|---|---|
| Alabama | 0.00% | 50.00% | 50.00% |
| Alaska | 0.00% | 100.00% | 0.00% |
| Arizona | 0.00% | 75.00% | 25.00% |
| Arkansas | 0.00% | 50.00% | 50.00% |
| California | 9.30% | 76.74% | 13.95% |
| Colorado | 33.33% | 66.67% | 0.00% |
| Connecticut | 16.67% | 83.33% | 0.00% |
| Florida | 15.00% | 55.00% | 30.00% |
| Georgia | 0.00% | 18.18% | 81.82% |
| Illinois | 75.00% | 25.00% | 0.00% |
| Indiana | 33.33% | 66.67% | 0.00% |
| Kansas | 100.00% | 0.00% | 0.00% |
| Louisiana | 20.00% | 60.00% | 20.00% |
| Maryland | 100.00% | 0.00% | 0.00% |
| Massachusetts | 0.00% | 100.00% | 0.00% |
| Michigan | 87.50% | 12.50% | 0.00% |
| Minnesota | 0.00% | 50.00% | 50.00% |
| Mississippi | 100.00% | 0.00% | 0.00% |
| Missouri | 0.00% | 50.00% | 50.00% |
| Montana | 100.00% | 0.00% | 0.00% |
| Nevada | 0.00% | 100.00% | 0.00% |
| New Jersey | 0.00% | 100.00% | 0.00% |
| New York | 26.32% | 63.16% | 10.53% |
| North Carolina | 0.00% | 66.67% | 33.33% |
| North Dakota | 0.00% | 50.00% | 50.00% |
| Ohio | 14.29% | 42.86% | 42.86% |
| Oregon | 0.00% | 0.00% | 100.00% |
| Pennsylvania | 44.44% | 55.56% | 0.00% |
| Tennessee | 0.00% | 100.00% | 0.00% |
| Texas | 0.00% | 88.89% | 11.11% |
| Virginia | 0.00% | 16.67% | 83.33% |
| Washington | 16.67% | 50.00% | 33.33% |
| West Virginia | 100.00% | 0.00% | 0.00% |
| Wisconsin | 40.00% | 40.00% | 20.00% |
What credit bureau does Chase use for Slate Edge credit cards?
Chase will pull your credit report primarily from Experian if you apply for a Chase Slate Edge credit card.
Your results may vary depending on which state Chase is pulling from though.
Below is a table showing the likelihood that Chase will pull from a particular credit bureau for each state when you apply for a Chase Slate Edge credit card.
| State | TransUnion | Experian | Equifax |
|---|---|---|---|
| Arizona | 0.00% | 100.00% | 0.00% |
| Arkansas | 100.00% | 0.00% | 0.00% |
| California | 10.00% | 70.00% | 20.00% |
| Colorado | 0.00% | 100.00% | 0.00% |
| Connecticut | 0.00% | 100.00% | 0.00% |
| Florida | 40.00% | 60.00% | 0.00% |
| Georgia | 40.00% | 40.00% | 20.00% |
| Illinois | 71.43% | 28.57% | 0.00% |
| Indiana | 100.00% | 0.00% | 0.00% |
| Louisiana | 0.00% | 0.00% | 100.00% |
| Massachusetts | 0.00% | 100.00% | 0.00% |
| Michigan | 25.00% | 75.00% | 0.00% |
| Minnesota | 0.00% | 0.00% | 100.00% |
| Missouri | 100.00% | 0.00% | 0.00% |
| Montana | 0.00% | 100.00% | 0.00% |
| Nevada | 0.00% | 100.00% | 0.00% |
| New Hampshire | 0.00% | 100.00% | 0.00% |
| New York | 50.00% | 50.00% | 0.00% |
| North Carolina | 0.00% | 25.00% | 75.00% |
| Ohio | 0.00% | 50.00% | 50.00% |
| Oregon | 33.33% | 66.67% | 0.00% |
| Pennsylvania | 66.67% | 33.33% | 0.00% |
| South Dakota | 0.00% | 50.00% | 50.00% |
| Tennessee | 50.00% | 50.00% | 0.00% |
| Texas | 20.00% | 20.00% | 60.00% |
| Virginia | 0.00% | 50.00% | 50.00% |
What credit bureau does Chase use for Chase Southwest Rapid Rewards credit cards?
Chase will pull your credit report primarily from Experian if you apply for a Chase Southwest Rapid Rewards credit card.
This includes the following credit cards:
- Chase Southwest Rapid Rewards Plus
- Chase Southwest Rapid Rewards Priority
- Chase Southwest Rapid Rewards Premier
- Chase Southwest Rapid Rewards Performance Business
- Chase Southwest Rapid Rewards Premier Business
Your results may vary depending on which state Chase is pulling from though.
Below is a table showing the likelihood that Chase will pull from a particular credit bureau for each state when you apply for a Chase Southwest Rapid Rewards credit card.
| State | TransUnion | Experian | Equifax |
|---|---|---|---|
| Arizona | 0.00% | 80.00% | 20.00% |
| California | 8.70% | 73.91% | 17.39% |
| Colorado | 0.00% | 50.00% | 50.00% |
| Connecticut | 0.00% | 100.00% | 0.00% |
| Florida | 0.00% | 40.00% | 60.00% |
| Georgia | 14.29% | 42.86% | 42.86% |
| Idaho | 0.00% | 66.67% | 33.33% |
| Illinois | 100.00% | 0.00% | 0.00% |
| Indiana | 50.00% | 50.00% | 0.00% |
| Iowa | 0.00% | 100.00% | 0.00% |
| Kansas | 0.00% | 50.00% | 50.00% |
| Maryland | 0.00% | 0.00% | 100.00% |
| Massachusetts | 0.00% | 100.00% | 0.00% |
| Missouri | 0.00% | 0.00% | 100.00% |
| Nevada | 0.00% | 75.00% | 25.00% |
| New Jersey | 0.00% | 100.00% | 0.00% |
| New Mexico | 0.00% | 100.00% | 0.00% |
| New York | 0.00% | 100.00% | 0.00% |
| Ohio | 0.00% | 0.00% | 100.00% |
| Oklahoma | 100.00% | 0.00% | 0.00% |
| Oregon | 0.00% | 0.00% | 100.00% |
| Pennsylvania | 100.00% | 0.00% | 0.00% |
| Tennessee | 0.00% | 100.00% | 0.00% |
| Texas | 7.69% | 61.54% | 30.77% |
| Utah | 0.00% | 100.00% | 0.00% |
| Washington | 0.00% | 0.00% | 100.00% |
| Wisconsin | 66.67% | 33.33% | 0.00% |
What credit bureau does Chase use for Chase United MileagePlus credit cards?
Chase will pull your credit report primarily from Experian if you apply for a Chase United MileagePlus credit card.
This includes the following credit cards:
- Chase United MileagePlus Explorer
- Chase United MileagePlus Quest
- Chase United MileagePlus Gateway
- Chase United MileagePlus Club Infinite
- Chase United MileagePlus Club Business
- Chase United MileagePlus Business
Your results may vary depending on which state Chase is pulling from though.
Below is a table showing the likelihood that Chase will pull from a particular credit bureau for each state when you apply for a Chase United MileagePlus credit card.
| State | TransUnion | Experian | Equifax |
|---|---|---|---|
| California | 11.54% | 61.54% | 26.92% |
| Colorado | 14.29% | 71.43% | 14.29% |
| Connecticut | 0.00% | 100.00% | 0.00% |
| Florida | 0.00% | 100.00% | 0.00% |
| Georgia | 0.00% | 0.00% | 100.00% |
| Illinois | 62.50% | 37.50% | 0.00% |
| Indiana | 0.00% | 100.00% | 0.00% |
| Iowa | 100.00% | 0.00% | 0.00% |
| Kentucky | 0.00% | 0.00% | 100.00% |
| Maryland | 0.00% | 50.00% | 50.00% |
| Michigan | 100.00% | 0.00% | 0.00% |
| Minnesota | 0.00% | 0.00% | 100.00% |
| Missouri | 0.00% | 0.00% | 100.00% |
| Nevada | 0.00% | 75.00% | 25.00% |
| New Jersey | 0.00% | 100.00% | 0.00% |
| New York | 16.67% | 83.33% | 0.00% |
| Ohio | 50.00% | 50.00% | 0.00% |
| Oklahoma | 0.00% | 100.00% | 0.00% |
| Oregon | 0.00% | 0.00% | 100.00% |
| Pennsylvania | 0.00% | 50.00% | 50.00% |
| Tennessee | 0.00% | 0.00% | 100.00% |
| Texas | 23.08% | 53.85% | 23.08% |
| Virginia | 0.00% | 0.00% | 100.00% |
| Washington | 0.00% | 100.00% | 0.00% |
What credit bureau does Chase use for Chase Ink Business credit cards?
Chase will pull your credit report primarily from Experian if you apply for a Chase Ink Business credit card.
This includes the following credit cards:
- Chase Ink Business Unlimited
- Chase Ink Business Cash
- Chase Ink Business Preferred
Your results may vary depending on which state Chase is pulling from though.
Below is a table showing the likelihood that Chase will pull from a particular credit bureau for each state when you apply for a Chase Ink Business credit card.
| State | TransUnion | Experian | Equifax |
|---|---|---|---|
| Alabama | 100.00% | 0.00% | 0.00% |
| California | 4.76% | 66.67% | 28.57% |
| Colorado | 33.33% | 66.67% | 0.00% |
| Florida | 0.00% | 60.00% | 40.00% |
| Georgia | 16.67% | 50.00% | 33.33% |
| Illinois | 100.00% | 0.00% | 0.00% |
| Indiana | 100.00% | 0.00% | 0.00% |
| Kentucky | 0.00% | 0.00% | 100.00% |
| Louisiana | 0.00% | 100.00% | 0.00% |
| Maryland | 0.00% | 0.00% | 100.00% |
| Massachusetts | 0.00% | 100.00% | 0.00% |
| Michigan | 100.00% | 0.00% | 0.00% |
| Minnesota | 0.00% | 0.00% | 100.00% |
| Nevada | 0.00% | 100.00% | 0.00% |
| New Hampshire | 0.00% | 100.00% | 0.00% |
| New Jersey | 0.00% | 100.00% | 0.00% |
| New York | 0.00% | 100.00% | 0.00% |
| North Carolina | 0.00% | 33.33% | 66.67% |
| Ohio | 75.00% | 0.00% | 25.00% |
| Oregon | 0.00% | 100.00% | 0.00% |
| Pennsylvania | 40.00% | 60.00% | 0.00% |
| Texas | 20.00% | 60.00% | 20.00% |
| Virginia | 0.00% | 0.00% | 100.00% |
| Washington | 0.00% | 25.00% | 75.00% |
| Wisconsin | 0.00% | 100.00% | 0.00% |
What credit bureau does Chase use for Chase Amazon Visa credit cards?
Chase will pull your credit report primarily from Experian if you apply for a Chase Amazon Visa credit card.
This includes the following credit cards:
- Amazon Prime Rewards Visa
- Amazon Rewards Visa
Your results may vary depending on which state Chase is pulling from though.
Below is a table showing the likelihood that Chase will pull from a particular credit bureau for each state when you apply for a Chase Amazon Visa credit card.
| State | TransUnion | Experian | Equifax |
|---|---|---|---|
| Alaska | 0.00% | 0.00% | 100.00% |
| Arizona | 0.00% | 100.00% | 0.00% |
| Arkansas | 100.00% | 0.00% | 0.00% |
| California | 7.69% | 76.92% | 15.38% |
| Colorado | 0.00% | 100.00% | 0.00% |
| Connecticut | 50.00% | 50.00% | 0.00% |
| Florida | 14.29% | 28.57% | 57.14% |
| Georgia | 0.00% | 14.29% | 85.71% |
| Illinois | 40.00% | 60.00% | 0.00% |
| Indiana | 100.00% | 0.00% | 0.00% |
| Kentucky | 100.00% | 0.00% | 0.00% |
| Louisiana | 100.00% | 0.00% | 0.00% |
| Maryland | 0.00% | 50.00% | 50.00% |
| Massachusetts | 0.00% | 100.00% | 0.00% |
| Michigan | 100.00% | 0.00% | 0.00% |
| Minnesota | 0.00% | 0.00% | 100.00% |
| Mississippi | 100.00% | 0.00% | 0.00% |
| Nebraska | 100.00% | 0.00% | 0.00% |
| Nevada | 0.00% | 66.67% | 33.33% |
| New Jersey | 0.00% | 100.00% | 0.00% |
| New York | 33.33% | 66.67% | 0.00% |
| North Carolina | 0.00% | 50.00% | 50.00% |
| Ohio | 50.00% | 50.00% | 0.00% |
| Oklahoma | 0.00% | 0.00% | 100.00% |
| Oregon | 0.00% | 0.00% | 100.00% |
| Pennsylvania | 50.00% | 50.00% | 0.00% |
| South Carolina | 0.00% | 0.00% | 100.00% |
| Tennessee | 0.00% | 0.00% | 100.00% |
| Texas | 22.22% | 33.33% | 44.44% |
| Virginia | 0.00% | 0.00% | 100.00% |
| Washington | 33.33% | 33.33% | 33.33% |
| Wisconsin | 66.67% | 33.33% | 0.00% |
What credit bureau does Chase use for Chase Marriott credit cards?
Chase will pull your credit report primarily from Experian if you apply for a Chase Marriott credit card.
This includes the following credit cards:
- Chase Marriott Bonvoy Boundless
- Chase Marriott Bonvoy Bold
Your results may vary depending on which state Chase is pulling from though.
Below is a table showing the likelihood that Chase will pull from a particular credit bureau for each state when you apply for a Chase Marriott credit card.
| State | TransUnion | Experian | Equifax |
|---|---|---|---|
| Alaska | 0.00% | 0.00% | 100.00% |
| Arizona | 0.00% | 100.00% | 0.00% |
| California | 15.79% | 68.42% | 15.79% |
| Colorado | 0.00% | 100.00% | 0.00% |
| Florida | 0.00% | 100.00% | 0.00% |
| Georgia | 0.00% | 0.00% | 100.00% |
| Indiana | 100.00% | 0.00% | 0.00% |
| Kentucky | 100.00% | 0.00% | 0.00% |
| Maine | 50.00% | 50.00% | 0.00% |
| Maryland | 0.00% | 0.00% | 100.00% |
| Michigan | 50.00% | 50.00% | 0.00% |
| Minnesota | 0.00% | 100.00% | 0.00% |
| Nevada | 0.00% | 100.00% | 0.00% |
| New Jersey | 0.00% | 100.00% | 0.00% |
| New York | 33.33% | 66.67% | 0.00% |
| North Carolina | 0.00% | 0.00% | 100.00% |
| Ohio | 50.00% | 50.00% | 0.00% |
| Oregon | 0.00% | 0.00% | 100.00% |
| Pennsylvania | 33.33% | 66.67% | 0.00% |
| Tennessee | 0.00% | 0.00% | 100.00% |
| Texas | 22.22% | 66.67% | 11.11% |
| Virginia | 0.00% | 0.00% | 100.00% |
| Washington | 0.00% | 50.00% | 50.00% |
| Wisconsin | 100.00% | 0.00% | 0.00% |
Will Chase always prefer to use one credit bureau over another?
Yes, Chase will lean more towards Experian just under half of the time.
The data has been gathered from consumers who have applied for credit and have decided to share the information found in their credit report.
Unfortunately, Chase does not disclose information regarding the credit bureau from which they pull for certain credit card applications.
Therefore, the information provided here should only be used as an indication of historical credit pulls, and should not be misconstrued as being the case for all scenarios.
In addition, the fact that Experian is pulled the majority of the time, was mostly due to the rather large sample size of about 360 consumers from the state of California, 64% of which said that Chase pulled primarily from Experian.
New York and Texas also weighed in heavily on Experian, pushing it as the preferred credit bureau from an overall perspective.
The heatmap below displays the states where Chase has historically pulled from Experian. The darker colors indicate larger credit pull frequency.
US states where Chase pulls from Experian the most
On the other hand, there are states such as Florida, Georgia and North Carolina, all of which have a sample set of around 100 consumers, that have indicated that Equifax is the clear favorite.
Again, the underlying motive for Chase to pull from Equifax as opposed to Experian or TransUnion for these states, is unknown. Perhaps it may be more cost effective in those cases.
US states where Chase pulls from Equifax the most
Similarly with Illinois, Michigan and Pennsylvania where Chase has preferred to pull lopsidedly from TransUnion. Note that California has pulled similarly high numbers from TransUnion but pale in comparison to the total credit pulls from Experian.
US states where Chase pulls from TransUnion the most
It’s interesting to note though that in the early 2000s, specifically between 2002 and 2009, Chase was pulling almost equally from each credit bureau, with Equifax leading the way just slightly with a 39.1% likelihood.
There was obviously a clear shift from Equifax to Experian from 2010 onwards.
Is there any benefit in knowing which credit bureau Chase uses?
Having prior knowledge on the credit bureau that Chase uses, will allow you to focus on improving your credit report for that particular credit bureau.
Perhaps your credit report from all credit bureaus is quite poor and contains derogatory remarks associated with collections, charge-offs, or other delinquencies.
Knowing which credit bureau Chase has a high likelihood of pulling from in your situation, is potentially critical in getting a successful credit application.
This is not to say that you should ignore your credit reports from other bureaus entirely.
Rather, regardless of whether you are applying for credit or not, careful and calculated steps should always be taken to constantly maintain a strong credit report and to use credit wisely.