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Chase usually does a "double pull", using Experian as their primary credit bureau and Equifax or TransUnion as a secondary. The second report they pull depends on the state you live in. The most common mix across all states is Experian and Equifax.
Chase uses Experian for hard inquiries on Chase Sapphire Reserve applications — which impacts your credit score. Hard inquiries impact your score around 5 points, but multiple pulls affect your credit (a lot). The fastest (& easiest) way to remove unauthorized credit pulls from your credit report is with help from Credit Glory.
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