Answered by The WikiAnswers® Community. Making the world better, one answer at a time. The bureau that is used most often by lenders is Equifax, especially if you are in the market to purchase a vehicle. The bureau that is used most often by lenders is Equifax, especially if you are in the market to purchase a vehicle.
http://www.answers.com/Q/Which_credit_bureau_is_used_most_often_by_lenders
You can use a paid service, such as a credit monitoring service, or a free service, such as Credit.com’s Credit Report Card, to view and understand your credit scores. Ultimately, trying to figure out whether one credit bureau is better than another is a waste of time.
http://finance.yahoo.com/news/best-credit-bureau-113058052.html
If the lender considering your car loan only pulls an Experian credit report, then that’s the most critical report. The challenge, of course, for consumers is that you never really know which bureau report a lender will pull. It could be Equifax, Experian or TransUnion – or perhaps all three. Tri-Merged Credit Reports. For most mortgages, lenders pull something known as a “tri-merged” credit report, which gives them information from all three of the major credit bureaus. Additionally, mortgage lenders typically use the “middle” score of your three credit scores to determine the rate and terms for a home loan.
http://askthemoneycoach.com/2010/01/which-credit-report-or-score-is-more-important-equifax-experian-or-transunion/
It's a problem, agree educators. Here are just seven of the most persistent myths that the top three credit bureaus say they hear all the time. 1. Myth: Your credit report includes your credit score. The truth: Your credit report does not contain your credit score, says Wilson. Consumers often think that when they pull a free copy of their report at AnnualCreditReport.com, they should also get a copy of their score, she says.
http://www.creditcards.com/credit-card-news/7-credit-report-myths-truth-1270.php
However, if you want a copy of your FICO credit score (which is the most widely used score by lenders), you'll usually have to pay up to $19.95 (at myFICO.com) to get it. The exception is if you are denied a loan or given higher rates based on your credit score.
http://www.creditcards.com/credit-card-news/7-credit-report-myths-truth-1270.php
1 You generally won’t know which CRA a creditor, insurance company or employer will use to check your credit. So whether you prefer one over another, that’s largely irrelevant when it comes to getting credit. What matters is the one the lender uses.  A mistake on one report may or may not appear on the other two.
http://finance.yahoo.com/news/best-credit-bureau-113058052.html
exists and is an alternate of . Making the world better, one answer at a time. The bureau that is used most often by lenders is Equifax, especially if you are in the market to purchase a vehicle. The bureau that is used most often by lenders is Equifax, especially if you are in the market to purchase a vehicle. Minor edit?
http://www.answers.com/Q/Which_credit_bureau_is_used_most_often_by_lenders
However, whenever you are seeking credit – perhaps a mortgage, car loan or student loan – then the most “important” credit report or credit score is the one that a lender pulls to determine whether or not to approve your loan. Some lenders only pull one credit report.
http://askthemoneycoach.com/2010/01/which-credit-report-or-score-is-more-important-equifax-experian-or-transunion/
Myth: If you pay all your bills on time, you don't need to check your credit report. The truth: It's always important to look at your credit report from time to time and make sure it is up to date with the most current information that reflects your credit history, says TransUnion's Cliff O'Neal.
http://www.creditcards.com/credit-card-news/7-credit-report-myths-truth-1270.php
To answer the question above, then, there are some crucial things to know about any one credit reporting agency versus another. 1  You generally won’t know which CRA a creditor, insurance company or employer will use to check your credit.  A mistake on one report may or may not appear on the other two.
http://finance.yahoo.com/news/best-credit-bureau-113058052.html
which credit bureau is used the most
Equifax credit bureau is used the most.