When you fill out a credit card application the credit card issuer will check all three major credit bureaus – TransUnion, Experian and Equifax. Your credit report should be very similar or the exactly the same across all three bureaus. If it is not, you may want to check for inaccuracies.
Before deciding to approve or deny your application any credit card company will look very closely at the timeliness of your payments across all of your revolving accounts, the length of your relationships with your lenders and the percentage of the credit that’s been extended to you that you are using at the time of application.
