What Credit Bureau Does Old Navy Use?

Old Navy is a famous American retailing company that is owned by Gap Incorporation, a giant MNC. It performs operations in Mission Bay, San Francisco, California. The company’s largest and oldest stores are found in New York City, Seattle, Manila, San Francisco, Mexico City, and Chicago. These stores are known as flagship stores of the Old Navy company. It was founded on March 11, 1994. It has situated its headquarters in San Francisco, California, United States of America. In this article, we will discuss what credit bureau does Old Navy uses to generate a credit report for its customers and what reviews does the Old Navy Credit card currently holds on the internet. 

What Credit Bureau Does Old Navy Use?

When applying for the Old Navy Credit Card, the issuer will most likely use TransUnion in order to assess your creditworthiness. The activity on your Old Navy credit card will be reported to the three major credit bureaus, TransUnion, Experian and Equifax on a monthly basis.


Equifax Incorporation is a wide-based American multinational consumer credit reporting agency. Equifax not only collects and reports credit and demographic data, but it also offers to sell credit monitoring and fraud prevention services directly to its customers. 

Equifax credit scores are another feature that Equifax offers its customers. By using Equifax credit scores, customers can calculate their general credit position. 


TransUnion is also one of the most popular American consumer credit reporting agencies. TransUnion collects and generates credit information across the globe. TransUnion is situated in Chicago, Illinois, United States. Within the ‘Big Three’ trio, TransUnion backs the last position in terms of business figures and popularity. 


Experian is a wide-based American Irish multinational consumer credit reporting company. It has an exceptional hold within the American public as it collects and generates information from over 235 million US customers along with 25 million US-based businesses. 

All the organizations that are mentioned above are functioning for collecting and generating consumer credit reports within the United States. These reports are then forwarded to buyers, such as landlords, credit card companies, and any other institution(s) who are in control of extending and managing a individual’s credit. 

Old Navy Credit Card Review

As of now, the Old Navy Credit card holds mixed reviews on the internet. With a total rating of 2.3 stars out of 5, the Old Navy Credit card has garnered both negative and positive reviews from the general audience. 


Old Navy is one of the biggest retail brands in the United States of America. The Old Navy Credit Card is issued by Synchrony Bank, and customers issue it as a store credit card, through which they earn points. Customers can then further use these points to make purchases across the Gap family of brands (Old Navy, Gap, Banana Republic, and many more).

Frequently Asked Questions (FAQs) 

Question 1) How much Credit Score does a customer need in order to get approved for an Old Navy Credit Card? 

Answer) In most cases, customers need a score above 660 to get approved for their Old Navy credit card. Customers can enhance their scores by checking their credit reports and correcting any inaccurate items they discover. 

Question2) When customers apply for an Old Navy credit card, are they subjected to a soft pull from the Old Navy?

Answer) If customers apply for an Old Navy Credit card, they are subjected to a ‘’hard pull” on their credit report. If customers have a hard pull on their credit report, but they didn’t apply for an Old Navy Credit card, they can get it removed.  

Question3) How can customers access their Old Navy Credit Card account?

Answer) Customers can access or log in to their Old Navy Credit Card Account by visiting the Old Navy official website online. 

Question4) How can customers initiate successful payments to their Old Navy Credit Card?

Answer) Customers can complete payment for their Old Navy credit card by following the steps mentioned on the official website of the Old Navy. Customers are advised to make sure that before going through with their payment, the information that they have provided is accurate in every sense. Providing inaccurate information can cause problems for customers in the future. 

Question5) Which items are eligible for return and exchange under Old Navy’s policies?

Answer) The below-mentioned guidelines are applicable for Gap, Old Navy, and Banana Republic products:

  1. Items that customers wish to return should be in the same state as they were when they were first delivered to the customer.  Items that are washed, worn, or damaged in any other form will not be returned. 
  2. Final sale items are not approved for return or exchange. Customers can check their invoices to know what products qualify as final sale items.
  3. Damaged or defective products will not be exchanged under any request. 

William James

I help consumers answer their nagging queries about products, services, and companies. We aim to provide in-depth, well-researched, and accurate information in easy-to-follow guides and articles. Learn more here.

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