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It is also aimed at personal credit cards (vs/mc/dc/ax), but it does include 2 store card exceptions (macy's & target). Since lenders don't publicize which credit bureau they use, it will be difficult to determine which ones use equifax only. No issuer will pull only equifax data all the time given that your credit reports can show different information, you may end up with one report that is in better shape than the others

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For example, hard credit inquiries occur when you apply for new credit. However, there are lenders who only pull from equifax 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.

It’s possible that credit unions or banks that previously checked only equifax now pull multiple reports So don’t assume a certain lender will only check your equifax credit without verifying first. Which personal loan companies use only equifax In most cases, you won’t be able to determine beforehand which credit bureaus your lender will use

In some cases, lenders will pull your credit report from two or even all three major credit bureaus. Most credit check companies pull from all three main credit bureaus