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What Credit Card Companies Use Equifax? (Solved)

Which credit reporting service uses Equifax?

  • Any one-bureau VantageScore uses Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. The credit scores provided are based on the VantageScore® 3.0 model.

Do most companies use Equifax?

Equifax is the UK’s oldest credit referencing agency. Many UK banks use Equifax credit reports as a part of their process. As do phone and utility companies, credit card providers and loan providers.

Which credit unions pull Equifax?

Re: What Credit Unions pull an Equifax Report? NFCU, Alliant, PenFed, USAA (cu-ish) all pull EQ. On rare occassions, it has been reported that for some loan products PenFed has pulled EX in addition. Locally you just need to ask them.

Does Capital One use Equifax?

Capital One is unlike other banks in that there isn’t one credit bureau that it is most likely to use when looking at a credit card application. It uses Experian (36%), Equifax (32%) and TransUnion (32%) roughly equally. In some cases, it will check two or three credit bureaus when making a lending decision.

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Which bank uses Equifax only?

PenFed Credit Union is the only loan company that uses only your Equifax credit data. In most cases, you won’t be able to determine beforehand which credit bureaus your lender will use.

What is a good Equifax score?

Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.

Do car dealerships use Equifax?

Experian and Equifax are the credit bureaus most commonly used for auto loans. They offer specialized auto lending solutions (such as Experian’s Auto Audiences) and receive a significant portion of their revenue for services associated with the auto industry.

What is Equifax credit score used for?

Credit scores are calculated using information in your credit report, including your payment history; the amount of debt you have; and the length of your credit history. Credit scores are intended to help lenders, creditors and others make fair decisions on whether or not to “take a risk” on someone.

Which credit bureau does TD Bank use?

TD Bank typically pulls credit reports from Experian when evaluating credit card applications, but it could use any of the three major credit bureaus (TransUnion, Equifax, Experian). So if any of your credit reports are frozen, you should unfreeze them before submitting an application for a TD Bank credit card.

What score does Carvana use?

Carvana auto loan rates The lowest interest rate Carvana offers for its purchase loans is available only if you have excellent credit (720 FICO minimum). If your credit score is less than stellar, your interest rate will be higher. This means your monthly payment will be more and, over time, you’ll pay more interest.

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What credit agency does chase pull from?

Chase usually does a “double pull”, using Experian as their primary credit bureau and Equifax or TransUnion as a secondary. The second report they pull depends on the state you live in. The most common mix across all states is Experian and Equifax.

What credit agency does Chase use?

The credit report that Chase is most likely to pull for your credit card application is your Experian credit report. We reviewed 293 consumer-reported credit inquiries from the past 24 months and found that Chase pulls credit reports from all three major U.S. credit bureaus, but it seems to favor Experian.

Does Wells Fargo use Equifax?

Wells Fargo uses all three major credit bureaus: Equifax, Experian, and TransUnion. Either one or more credit bureau may be used when evaluating a Wells Fargo credit card application. Cardholder reports suggest the state you live in may factor into which credit bureau Wells Fargo uses when it pulls your credit report.

Does Navy Federal use Equifax?

Navy Federal Credit Union pulls information from all three major credit bureaus — TransUnion, Equifax, and Experian.

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