Which Credit Bureau Does Chase Use for Your Freedom Unlimited® Application?
Accurate as of: November 16, 2025
When you apply for a new credit card from Chase, they perform a "hard inquiry" on one or more of your credit reports. Knowing which credit bureau Chase is most likely to use can help you prepare your application effectively and ensure your report is accurate.
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Chase is Inconsistent Nationwide
Unlike American Express and Citibank, which primarily favor Experian, Chase is much less consistent. They pull reports from any of the three major bureaus—Experian, Equifax, and TransUnion—and sometimes pull reports from two or all three bureaus for a single application.Why It Matters Which Bureau Chase Checks
It is vital to know this because your credit score can differ slightly between the three major bureaus.Summary: Check All Three Reports First
Before applying for the Chase Freedom Unlimited® card, your best first step is to pull your credit report from all three major bureaus (Experian, Equifax, and TransUnion). This ensures you have a complete picture of the data Chase is likely to base its decision on.For a full guide on the card’s benefits, rewards, and application process, view our main guide: Chase Freedom Unlimited® Review: $0 Annual Fee and Strong Cash Back Rewards.
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Chase Freedom Unlimited®
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FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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