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

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: 16,385
Registered: ‎03-12-2007

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 (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Moderator Emeritus
Posts: 7,970
Registered: ‎12-19-2007

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.
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