Navy Federal Credit Union primarily pulls credit reports from TransUnion when evaluating credit card applications, although they may also pull from Experian and Equifax depending on the type of credit product and whether it is a first- time application. For example, first-time credit card applicants might experience a double credit pull from both Experian and TransUnion, while subsequent applications typically involve a single pull, often from TransUnion

. For credit limit increases, Navy Federal generally uses Equifax for their credit inquiries

. Additionally, Navy Federal reports account activity such as payment history and balances to all three major credit bureaus: Equifax, Experian, and TransUnion, ensuring that credit histories are kept up to date across all bureaus

. In summary:

• Credit card applications: usually TransUnion, sometimes Experian and Equifax for first-time or secured cards.
• Credit limit increases: typically Equifax.
• Reporting: to all three major bureaus (Equifax, Experian, TransUnion)