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What credit reporting agency is used the most?

Sunday

Experian? Equifax? Transunion?

Which credit reporting agency is used the most to determine APR etc trade lines?
Please backup your answer as to why you are choosing that agency. I'm basically trying to find out which one is the best one to sign up for the score watch.

Equifax

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  1. robin d
    March 23rd, 2009 at 00:00 | #1
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    in my experience it is equifax
    References :

  2. vsweety
    March 23rd, 2009 at 00:39 | #2
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    experian
    References :

  3. yoooooo
    March 23rd, 2009 at 00:55 | #3
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    equifax
    References :

  4. DAS
    March 23rd, 2009 at 01:42 | #4
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    All three, this is the top three, and they all are used.
    References :

  5. samplespilates
    March 23rd, 2009 at 02:24 | #5
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    Equifax
    References :

  6. redenz40
    March 23rd, 2009 at 03:02 | #6
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    This is how it works:
    Most major creditors will use all 3 reporting agencys.
    Smaller creditor, like small car dealers, local furniture stores, local collection agencys, etc. will use the one which is used in your area the most. Here in Arkansas Transunion is the one that used. If you are doing research on which one is used more in your area I suggest call around to some of the local business that offer credit and ask them which agency they use
    References :

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