Which credit bureau does Bank of America pull?
Short answer EX Experian (varies by state)
Usually Experian. TransUnion or Equifax is reported in some states.
Confidence: Medium: clear lean, with exceptions · 9 dated data points (0 in the last 12 months) · Updated 2026-10-17
What the data points show
Counts bureaus across individual user-reported data points since 2023. A single application can pull more than one bureau.
What other trackers say
- Doctor of Credit (CreditBoards data) (as of 2019-04-04): 106 of 129 data points (~82%) Experian; ~7% Equifax; ~11% TransUnion.
- StackEasy (as of 2026-08-31): Experian-leaning, but mixed.
- finbarrow (as of 2026-06-18): Experian / TransUnion, varies by state.
These are secondary summaries. Some are years old (see the "as of" date). Each one is linked so you can check it yourself.
Data points by date
| Card | Source | ||||
|---|---|---|---|---|---|
| CA | EX | B of A bank of america Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| NC | EX | BofA Alaska Airlines Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| CA | EX | Bank of America Alaska Airlines Visa Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| GA | EQ | Bank of America Visa (Secured) Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| CA | EX | Bank of America® Customized Cash Rewards Credit Card Personal |
Denied | CreditBoards CreditPulls (user-submitted record) | |
| CO | EX | Bank of America Unlimited Cash Rewards Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| CA | EX | Bank of America BofA Travel Rewards Visa Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| PA | EX | Bank of America Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| CA | TU | Bank of America Personal |
Approved | CreditBoards CreditPulls (user-submitted record) |
Highlighted rows are from the last 12 months. Data points are self-reported by applicants on public forums and may be wrong or incomplete. We link every one to where it came from.
By state
| State | Bureau counts |
|---|---|
| CA | EX: 4 TU: 1 |
| CO | EX: 1 |
| GA | EQ: 1 |
| NC | EX: 1 |
| PA | EX: 1 |
Bank of America 0% intro APR offers we track
- Bank of America® Customized Cash Rewards: purchases 0% for 15 billing cycles; BTs 0% for 15 billing cycles (verified 2026-10-17)
- Bank of America® Unlimited Cash Rewards: purchases 0% for 15 billing cycles; BTs 0% for 15 billing cycles (verified 2026-10-17)
- BankAmericard® credit card: purchases 0% for 21 billing cycles; BTs 0% for 21 billing cycles (verified 2026-10-17)
- Business Advantage Unlimited Cash Rewards Mastercard®: purchases 0% for 7 billing cycles; BTs — (verified 2026-10-17)
- Business Advantage Customized Cash Rewards Mastercard®: purchases 0% for 7 billing cycles; BTs — (verified 2026-10-17)
- Platinum Plus® Mastercard® Business card: purchases 0% for 15 billing cycles; BTs — (verified 2026-10-17)
FAQ
Which credit bureau does Bank of America pull?
Usually Experian. TransUnion or Equifax is reported in some states. In StackScout's 9 dated, sourced data points since 2023, Experian appears 7 times, Equifax appears 1 time, TransUnion appears 1 time. Confidence: Medium: clear lean, with exceptions.
Does Bank of America pull a different bureau depending on my state?
Public data points suggest the bureau can vary by state (and sometimes by card or channel). Check the state filter below, and remember that one report is just one report.
Can I find out which bureau Bank of America will pull before I apply?
Not with certainty. Issuers don't publish this, and it can change. Recent data points from your state are the best signal. Afterward, the new hard inquiry on your credit reports shows which bureau was pulled.