is there a web site showing what credit report is pulled by what companys?

Answer 1

No, this veries by lender based on State and Zip codes.

Answer 2

I agree with Sugarbee. The next time this person calls, ask him to put everything in writing and mail it to you. If he does so, you can then check the collecting agency out. Furthermore, you should then dispute the debt in writing. Send it return receipt and keep a copy of the letter. If they cannot prove that you owe this money then they are legally required to back off. If they don't take the matter to the Attorney General for your area or file an online complaint with the Federal Trade Commission. They have been very effective in a problem that I had with a bogus credit card company. EDIT: Since the company is legit, your next step is to dispute the debt owed in writing and wait for them to make the next move. Keep a copy of everything and send it return receipt. If they can prove their case, you will then have no choice to pay the amount owed. If you hear nothing more from them ( which is usually what happens), then the debt will no longer be considered valid. It is in your favor that it is not on your credit report and chances are that it will never be. Good luck with everything. One more thing, DO NOT UNDER ANY CIRCUMSTANCES pay half of the amount owed. That is called a charge-off and it looks really bad to potential creditors. Charge offs are reported to the credit bureaus. As tempting as it is to pay only half, it is better to work out a payment plan with the company if it comes to it. I made that mistake once and that was about 4-5 years ago. It is still on my credit report.

Answer 3

No. That would be a really large database to create and maintain.
Some companies pull from one bureau, some from two and others from all three. It's virtually impossible to know which bureaus they use before you actually apply for a loan or credit.
If you are rejected, you have a right to a free copy of that particular bureau's report and that way you will know. Otherwise, you could always ask. I don't think the company should have an issue with letting you know which CRA they use.

Answer 4

I believe all 3 credit bureaus do this if your a subscriber. I have Transunion and they send me email alerts everytime someone looks at my credit and i can lock my reports so they have to call me and ask for it!

A very good idea if you have ever been a victim of ID theft like I had been!

Equifax 3 in 1 does this too and all you need to do is sign up with your Email address and you are notified and sent a credit alert for every inquiry you receive.

Having your credit report pulled too often in a short period of time will make your score drop so if your shopping around for let's say an auto loan, tell them that and multiple inquiries will show up as one! My website has more on this along with other credit topics. The "how credit scoring works" section should answer some questions for you too!

Answer 5

You are legally entitled to view your credit report for free once a year from each agency. You can get them at https://www.annualcreditreport.com/ and there's no requirement to sign up for any programs. I suggest splitting up the reports over the year. There are three major reporting agencies: TransUnion, Experian, and Equifax. If you get a report from one of them every four months, you can keep track of your credit throughout the year. Also you'll be able to which companies are using which agencies.

Answer 6

The only way to find out is to obtain a credit report from all three credit bureaus either by applying for credit and not getting approved (I think you are only entitled to one report) or paying for it.

Answer 7

No. Some companies will go to all 3, and if you are rejected, you will only know which report was used for the rejection.

Answer 8

http://www.whogavemecredit.com/

Individuals enter information about who pulled their credit report and whether or not they obtained credit from them.