Apple Card Now Reporting To All Major Credit Bureaus

When it initially launched, one of the strange features of the Apple Card was that it only reported to one credit bureau: TransUnion. Now, however, the card appears to be reporting to all three major credit bureaus regularly. Here’s what you need to know about the Apple Card and its reporting changes to the major credit bureaus.

Apple Card Reporting to Experian, Equifax, and TransUnion

The Apple Card has been a resounding success for the tech giant since its launch last year. The card, which Apple issues through Goldman Sachs, works through an iPhone’s digital wallet and its proprietary Apple Pay system. The card works wherever Apply Pay is accepted – and for those merchants that don’t accept Apple Pay, the physical titanium card comes in handy.

The digital payment focus of the Apple Card is a notable quirk of the product, but not its only peculiarity. Another curiosity of the Apple Card is that up to now it only reported one credit bureau: TransUnion. It seems that has now changed. The addition of regular reporting to all three credit bureaus is good news for cardholders who are looking to improve their credit score.

Monthly reporting to all the credit bureaus can help establish a record of on-time payments and low credit utilization for those willing to put the work in. This, in turn, will boost their credit score and approval odds on future credit card applications, regardless of the credit report the bank pulls. In addition, the update makes it more accessible when it comes to lenders that prefer using Equifax or Experian.

How Can You Tell Which Credit Bureau Your Credit Reports To?

Knowing which credit bureau your credit card reports to is a fairly simple process. Most credit cards offer complimentary credit scores each month – either through FICO Score or VantageScore. Closely monitoring your credit score can indicate where your credit cards are being reported.

Credit monitoring services will also detail where your credit cards are reported – especially when opening a new account. Check for changes, such as new account alerts, which indicate that your new credit card will be reported to that particular credit reporting bureau.

The CreditPulls database, created by CreditBoards is another useful resource. The free service lets users check to which credit bureaus their cards will report before they apply.