I just wanted to post a thread here in Rebuilding that I think everyone should always be reminded of. I recently had an application spree and I believe I was denied credit because even though my big 3 reports were clean; I never took into account that some creditors would pull other credit reporting agencies that are less known.
Here is the list, updated in January of 2014: CFPB - List of Consumer Credit Reporting Agencies
There may be an even more up to date list than this but this is the one I was able to find. You should probably be proactive and freeze your report if you can for all of these companies on the list so that you are not taking the chance of a rejection because a third party credit reporting agency stills shows collections/late payments that may have already been removed from your big 3 credit reports.
I am still waiting on quite a few denial letters and will update each one in my application spree thread with what third party agencies they pulled from as well as what big 3 CRA they pulled from for each approval/denial. If anything; at least it will come up in google search and provide extra information for someone in the future.
EQ 654 -- 43 Inquiries
TU 695 -- 54 Inquiries
EX 668 -- 50 Inquiries
Utilization: 9% AAoA: 20 months Total History: 3Y
Updated: 08/04/2017 Premier 3B
