What Credit Report Does Chase Pull?

Last Updated: Nov 15, 2022

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Chase is one of the leading international financial services firm. It is the U.S consumer and commercial banking business sector of JPMorgan Chase & CO. Chase will request credit reports from one of the 3 major credit bureaus (Experian, Equifax, and TransUnion) depending on the location the customer resides in.

What Credit Report Does Chase Use?

When conducting a credit review Chase will use any one of the 3 major credit bureaus to obtain a consumer's credit report. However, Chase has been noted to primarily rely on reports drawn from Experian before it will consider Equifax, or lastly TransUnion. The largest determining factor remains the State within which the credit report has been requested.

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When Does Chase Report To Credit Bureaus?

Chase reports consumer information to all three major credit bureaus. Your information will generally be reported within 3-5 days after your monthly billing statement has been issued. These updates can either be reflected immediately, or over a period of 1-2 months.

Bottom Line

Chase generally uses Experian when conducting its credit reviews on existing and potential customers. When reporting consumer information Chase reports to all 3 major credit bureaus.

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