Equifax question... is it just not used much anymore?

[WildestDreams]

Hopefully this is the correct thread

Do creditors not use Equifax anymore!?

I'm rebuilding from BK Chapter 7 - it was dismissed late 2022 so I a fresh to the rebuild. I think things are going as expected, I do have a bunch of inquiries that were to get me up and running - In the garden for now - is this just a fluke for me or does literally no one pull EQ for new apps?

I have the following inquiries from the past year

9 TU  (eeek - 3 are auto from the same date so I think it counts as just 1 )

4 Experian (3 are overlap with TU)

0 - yes ZERO Equifax 

[Creditwiser]

Many creditors will pull EQ. Depends on the creditor you're app'ing with and where you live.  There is a chart on one of the old threads that someone created to show who pulls what and where. 

[Creditwiser]

This 

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...

[Brian_Earl_Spilner]

Depends on where you live. For me on the west coast, EQ is typically pulled by credit unions only or lenders that pull more than 1 bureau. 

[WildestDreams]

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@Creditwiser wrote:

This 

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...

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Thank you! maybe its becuase i'm in NY, just seemed weird. My apps were with mostly sub prime lenders and credit unions so regional makes sense