Which of the 3 reporting companies is the most looked at when determining credit eligability?

Question

of the 3 reporting companies, transunion, equifax, and experian, which one do companies look at the most to determine your credit.

Answer 1

I work for a mortgage company, and when we pull your credit, we take the middle score of the three bureaus.. When you apply for other credit, such as a credit card, they are only required to pull one(I believe), and my experience is that they most often pull transunion.. Different companies use different bureaus.. The information is pretty much reported the same, some companies don't report to all three bureaus, thus creating a difference in scores. In addition, all three bureaus using different methods for scoring..

Answer 2

Equifax and transunion are the most viewed. Experian is not. If you get a copy of the people who see your credit report, you will see Experian is the least viewed.

Answer 3

Most creditors just take the middle score of the 3. I got lucky because mine were 713, 730 ,732. So they looked at mine as 730. However, I have heard that Experian is the most realiable of the 3. Ironically it tends to the lowest ussualy also.

Answer 4

I think its equifax