Short Answer: While credit card companies typically do not share their preferred credit bureaus publicly, cardholders with Simmons Visa credit cards report that their applications pull reports from TransUnion. For more information on TransUnion and credit card applications, see below.
What Is TransUnion?
TransUnion is one of three credit reporting companies that offers its services to individuals and companies. The two other credit services are Equifax and Experian. Each agency may grade your credit a little differently based on the method used to calculate your credit rating, as well as the access the company has to your financial history. Because of this, you may have three different credit scores.
When you apply for a credit card, the credit card company can pull from one, two, or all three of these credit agencies. If your most favorable credit score comes from TransUnion, you may want to apply for a credit card from a company that primarily uses TransUnion to approve its customers.
Credit Cards That Only Use TransUnion (Reportedly)
The TransUnion website lists numerous credit card options from partner companies that tend to use TransUnion primarily. However, credit card issuers do not publicly release their policies for contacting credit bureaus, so we cannot guarantee that all cards on that list will pull from TransUnion.
After contacting various credit card issuers and cross-referencing TransUnion’s list with reports from customers on online forums and social media, we found one card that reportedly pulls the TransUnion score for most customers:
- Credit needed: Excellent (720+)
- Annual fee: $0
- Balance transfer fees: None
- Rewards: None
- Foreign transaction fees: None
- Find out more
For more information on credit cards, see our lists of cards that tend to pull Experian scores and cards that tend to pull Equifax scores. We also list the loan companies that reportedly use TransUnion.