Reply
Established Member
Posts: 24
Registered: ‎10-16-2007
0

3CRA's Popularity

Is it me or Experian seems to be the reporting agency that most lenders seem to look at followed by EQ and TU. It seems that everywhere i have searched for credit they have told me that they pull EX. I don't particularly care which CRA they pull from since my scores are within 10-20 points from each other but on the inquiry scales i have more inquiries in EX than i do TU and EQ. i guess i just have to look for lenders that use the other too and give EX a break. i only have 5 on EX and 1 on EQ 1 in TU. 3 of the 5 were mortgage related so i need to get them out of there since prices in this area are astronomical and im jumping off of the mortgage hunt.
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007
0

Re: 3CRA's Popularity

A lot of this depends on where you live, but I have noticed EX being utilized more and more around the entire country. I'm in Hawaii and EQ was king for years, now it's EX. My guess in Hawaii is:
 
EX pulled 60-70% of the time
EQ pulled 30-35%
TU pulled < 10%
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Moderator Emeritus
Posts: 7,970
Registered: ‎12-19-2007
0

Re: 3CRA's Popularity

Hawaii? I'm jealous. It's about 35 degrees and raining here right now.
___________________________________________________________________
Do what is true in spite of the consequences--your future is only as true as you are.

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.