Equifax the king most use?

[Jhlowe86]

I know this will sound insane, which is why I would love opinions of others.

I noticed my bank and credit cards use Equifax 70% as the score they show (even with vantage).

One thing I noticed is Equifax has been known to update slower from what I have seen and read.

I am wondering if equifax is more trustworthy to lenders.

[GZG]

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@Jhlowe86 wrote:

I know this will sound insane, which is why I would love opinions of others.

I noticed my bank and credit cards use Equifax 70% as the score they show (even with vantage).

One thing I noticed is Equifax has been known to update slower from what I have seen and read.

I am wondering if equifax is more trustworthy to lenders.

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equifax is the least used by a pretty good margin, in terms of trust, it's Experian >> TransUnion >>>>> Equifax 

[FicoMike0]

I find transunion pulled most.

[Windchill92]

Just depends on where you're located in the US and what your lender(s) use. EQ is one of the most frequently used for me, followed by TU and then EX.

NFCU is moving away from FICO EQ to the VS, and even the FICO EQ I get from Citi is a bankcard score (out of 900).

[Snook_on_the_Line]

Everybody pulls experian for me in florida

chase, Amex, boa, citi, wells, my local CUs 

I have to seek out TU and EQ pullers to spread the all the inquiries around

[citymunky]

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@GZG wrote:

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equifax is the least used by a pretty good margin, in terms of trust, it's Experian >> TransUnion >>>>> Equifax 

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This is true for me as well. Every one always wants to EX (which is mine lowest score). I also have to seek out lenders who check TU and EQ.

[markbeiser]

Other than mortgage lenders, Truist bank is the only one I've had hit EQ in years.
For me EX gets hammered the most, with TU a distant 2nd.

[FicoMike0]

Here's a list I've found helpful.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/td-p/63797...

[Thomas_Thumb]

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@Jhlowe86 wrote:

I know this will sound insane, which is why I would love opinions of others.

I noticed my bank and credit cards use Equifax 70% as the score they show (even with vantage).

One thing I noticed is Equifax has been known to update slower from what I have seen and read.

I am wondering if equifax is more trustworthy to lenders.

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For me it has been EQ twice, TU once and EX never. The base model comes direct from FICO. Cost and historical data for comparison are king, not some misguided perception of trust.

[Pppoolboy]

For me in California Equifax is the least pulled CRA by far. Experian and TransUnion are pretty much tied and way out ahead of Equifax. I have about 10 hard inquiries in the past 2 years on tr and ex and only 5 on eq.