Did you know that not all credit card companies are the same? On the surface, they all have those Visa, Mastercard, or American Express logos, but underneath the covers there are different banks associated with those cards. Each of those banks may approve or deny you credit based on different factors. Some of those factors of course include credit scores, but another factor is which credit report they’re pulling your score from.

Visa and Mastercard credit cards

If you’re having trouble getting credit, it may be because they are pulling your worst report and by just choosing the right bank you may be able to get your best report pulled. Search online for a “credit pulls” database to find out which company pulls Experian, TransUnion, or Equifax and then you can make sure you have the best chance at getting credit!