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IS there a way to find out which credit bureau a creditor uses to approve or deny your application?
April 23rd, 2010 
admin 
Posted in Credit 
Tags: American Express, American Express One, Cards, Credit Bureau, Creditor, Creditors, Denial Letter, Equifax, Experian, Score, Transunion
Marilyn
There really is no way to know which bureaus a lender will check beforehand. They sometimes use one, or two…rarely do they use all three unless it’s a major loan such as a mortgage.
You would only know after the transaction. My advice would be to have your Experian report cleaned up before you apply for anything else. That way, you won’t have to worry about which source the lender is using.
Stephanie
They probably do use all 3, just not for every inquiry. And, no, there is no way to find out in advance which they will use except asking them. I bet that whoever you ask doesn’t know anyway.
Allen
There really is no way for the general public to know.
The lenders that I use to secure auto loans I know which bureaus they look at because I have to know.
Most lenders pull differ ant bureaus based on Zip codes.
Of the 15-lenders I use not one of them pulls all three.