What Credit Bureau Does Capital One Pull for Business Cards?

Capital One typically pulls all three personal credit reports. Variation is to be expected. However, you should assume that they will check all three.

Here’s what you need to know about personal credit and Capital One credit card applications.

Which Bureaus Major Credit Cards Report To

There are two goals when applying for a business credit card: building business credit and funding your business.

The former is just as important as the latter. If your credit card doesn’t help you boost your business credit score and build credit history, you won’t be able to access better financing opportunities down the road.

That being said, which business credit card issuers report to the major credit bureaus? Here’s an overview of each major credit card issuer and which credit bureau(s) they report to:

Credit Card Issuer	Do They Report to D&B?	Do They Report to Equifax?	Do They Report to Experian?
American Express	Yes*	Yes*	Yes*
Bank of America	Yes	Yes	Yes
Capital One	Yes	Yes	Yes
Chase	Yes	Yes	Yes
Citi	Yes	Yes	Yes
U.S. Bank	Yes	No	No
Wells Fargo	Yes	Yes	Yes

There are a few things you should always be aware of before applying for a small business credit card.

• Card issuers may change their reporting practices at any time. Make sure your chosen credit card company still reports to the business credit bureau(s) you need them to before filling out a credit card application.
• Do your research on each business credit card you know you qualify for. Consider intro APR offers, account opening rewards, cash back or points rewards, and credit limits. Also, consider some of the other terms highlighted below.
• If you’re considering alternatives, make sure your chosen business credit card reports to at least one business credit bureau. There are credit cards that report to no credit bureaus. Having at least one will support your business credit journey.

What to Do If One Bureau's Score Is Better Than Another

Some business owners may experience the issue of having one credit score that’s higher than the others.

You have three courses of action you can take if you run into this problem.

The first option is to look for credit cards that only pull your credit report from one credit bureau.

If your Experian credit score is the strongest, you can look for business credit cards that pull Experian. The same goes for business credit cards that pull Equifax and business credit cards that pull TransUnion.

Not every business card will pull from multiple credit bureaus. The best credit card for you might be the one that only pulls one score.

The second option is to work on your personal credit. If your personal credit score and personal payment history are lackluster, you can do something about it.

Take the time to increase your personal credit score and build a positive personal credit history. This will help you qualify for cards that pull from multiple credit bureaus.

The third option (or rather, action you should always take) is to look carefully at your reports. See if anything is showing up on reports from credit bureaus that shouldn’t be there.

Then, dispute inaccurate information by reaching out to the credit bureau. This will help you boost your credit score and fix any issues in your credit history.

The good news? If one consumer credit bureau has a better credit score than the other credit bureaus, chances are that your other scores aren’t too far off from being good as well. This is true even if there is a difference of 100 points or more.

Do Capital One Business Cards Report to Personal Credit?

Capital One is a credit card issuer that reports both types of card activity to personal and business credit bureaus.

There are only two Capital One credit card choices that don’t report positive activity to personal credit bureaus: the Capital One Spark Cash Plus and the Capital One Venture X Business Card.

This may help you avoid credit utilization issues with a personal credit bureau. However, you still run the risk of delinquency affecting your credit.

It’s also important to know that you won’t be able to get a Capital One business credit card EIN only.

Does Capital One Do a Hard Pull for Its Business Credit Card?

Yes, you can expect Capital One to do a hard pull for its business credit card.

It’s important to remember that a hard credit inquiry isn’t an inherently bad thing. A hard pull is only going to shave off a couple of points.

Some helpful tips while looking at cards are:

• Researching which credit cards you want ahead of time so you can narrow down your choices.
• Making sure that you qualify for your chosen business credit card.
• Working on your personal credit score and personal payment history for greater approval odds. Excellent credit opens all the doors.
• Seeking credit cards that don’t require your personal credit score. Look for business credit cards that do not report to personal credit.

Get FairFigure Capital Card

The FairFigure Capital Card is an EIN-only business card that doesn’t pull a personal credit report.

The best business credit card for any small business owner offers flexible payback terms, business credit building support (Experian, Equifax, Small Business Financial Exchange, and Creditsafe), and revenue-based funding.

Sign up for FairFigure today to finance your business and build business credit!