you forgot about innovis

I work for a credit card company…there are accually four credit reporting agencies now..but the top 3 Experian, Equifax, and TransUnion are the main ones…it just depends on the company and who they use…they all say about the same stuff but Equifax and Experian have a lot more info on them…you can always pull all three for free @ if at anytime you go to another site and it asks for credit card or banking info…DONT GIVE IT TO THEM ITS NOT FREE.

They all count. Don’t think that they don’t

The agency these creditors use depends on accuracy and cost. Transunion doesn’t cost that much to pull someone’s report, but their information is not as up to date or accurate. Equifax is more accurate but costs a lot more, and they have more restrictions on who can pull their reports.

So by your question…”all important business’s”…..I would disagree. Major companies will pull all three, especially Equifax’s.

Just my opinion on this though…I’m interested in seeing some other comments from people who pull for large companies.

Find something else for which you can obsess.

Like the first poster said a lot of it depends on where you are in the Country and where the lenders that you apply to are located.

I use 14-lenders and each one has their own default bureaus, some pull Equifax, some Transunion and a few Experian.

Most lenders go by Zip codes.

Just take the easy way out and sign up for the trial membership you get to see your credit score almost straight away, also since your aware its a trial ensure you cancel as soon as you get your score and you won;t be charged. I’ve listed the site I use below

You are entitled to view all 3 of your credit reports for free once a year… go to this is the site set up thru us govt for your free annual credit report, all the others are a scam and will make you sign up for a membership and charge you monthly. I promise this one wont! wont even ask for a credit card or checking info!! see for yourself! hope this helps.. again you can only do this for free once a year

I recently paid for a credit report that gave me all the information that the “Big Three” had on me.
It seemed to me that TransUnion had more accurate information about me,but Equifax showed more inquiries into my file.
That could be a problem.One credit agency had up-to-date information about me,but most creditors were looking at another agency.
If you have good credit,but can’t seem to get a good rate (or even get a loan at all!) then it might be a good idea to pay for a complete credit report that shows everything that the “Big Three” have to say about you.
That way you can give a potential lender a complete picture of your credit history,assuming that said lender is pulling your credit file from only one agency.

You must pay each bureau for the scores – they are not free. Go to their respective websites if you really think you need scores.