Why do creditors like Experian so much?

[maiden_girl]

I swear like EVERY creditor I have ever dealt with 99 percent of the time will pull Experian. My Experian report has like 30 inquires while my Equifax report has 3 and my Transunion report has 10. What gives? Can you ask a creditor to pull a different report? My EX score is significantly lower than my others.

[RobertEG]

Perhaps they have information that most other creditors in their specific industry report primarily to EX.

Thus, pulling your report from EX would give them more info pertaining to your history on their specific type of credit.

Perhaps they only acquired a reporting agreement with one CRA, and thus also use only that CRA out of familiarity for credit inquiries.

Perhaps they have reason to believe that others using EX are more reluctant to grant PFD deletions, which remove accurate prior histories.

Perhaps they are simply cheaper, or marketed better.

Hard to say......

Additionally, if they are also obtaining a credit score, each CRA negotiates its own flavor of FICO algorithm that it licenses from Fair Isaac, so the scoring emphasis of one CRA may be more akin to their view of what is most important in their risk analysis.

The credtor has the option of deciding which CRA gives them the most relevant information.

[FinStar]

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@RobertEG wrote:

Perhaps they have information that most other creditors in their specific industry report primarily to EX.

Thus, pulling your report from EX would give them more info pertaining to your history on their specific type of credit.

Perhaps they only acquired a reporting agreement with one CRA, and thus also use only that CRA out of familiarity for credit inquiries.

Perhaps they have reason to believe that others using EX are more reluctant to grant PFD deletions, which remove accurate prior histories.

Perhaps they are simply cheaper, or marketed better.

Hard to say......

Additionally, if they are also obtaining a credit score, each CRA negotiates its own flavor of FICO algorithm that it licenses from Fair Isaac, so the scoring emphasis of one CRA may be more akin to their view of what is most important in their risk analysis.

The credtor has the option of deciding which CRA gives them the most relevant information.

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+1

It also would depend on your mix of tradelines.

[wHiTeSoL]

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@maiden_girl wrote:

I swear like EVERY creditor I have ever dealt with 99 percent of the time will pull Experian. My Experian report has like 30 inquires while my Equifax report has 3 and my Transunion report has 10. What gives? Can you ask a creditor to pull a different report? My EX score is significantly lower than my others.

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I totally understand. It seems like CA is EX happy; Amex, Chase, SFFCU. All the ones I want are pretty much all EX pullers. 

[parakleet]

In Texas, it's heavily EQ.

[JKXX]

CA here.

Most of my INQs are on EX as well. Discover did EQ and BOA did TU. Chase did pull my TU a year ago but it was a double.

[coldnmn]

EQ in MN

[maiden_girl]

Thanks for the replies! I'm located in CA and they are EX happy here. Ugh.

[gen-specific]

yeah I recall that it is geographical location of the lender's principle office that is the biggest factor in determining which company they'll pull

but I don't know how well that holds true anymore