ragcajun wrote:Hi Jay,I believe they use Transunion or Experian. My reason for believing that is I recently had a late pay removed from those credit reports by Wells for a car I just paid off with after 5 years. Long story but my husband forgot to pay the car after 2 months before the loan was due to be paid off! I was in the hospital.The late pay was never reported to Equifax.I have had two cars financed through them, I will always used Wells for all of my car purchases. They really took care of me and removed the late pay when they DiD not have have to!