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What Report Does XYZ Bank Use?

BayHouse Credit Forum: 10/1999 to 01/2001: Credit Reporting, FICO Credit Scoring, Disputes, Collections, Charge-offs, Bankruptcy, CCCS: What Report Does XYZ Bank Use?
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Patricia Holly (Househunting)

Wednesday, January 17, 2001 - 11:27 am Click here to edit this post
I don't know if this is a similar situation to anyone else out there but some reports of mine are cleaner than others. I would like to know before I apply for stuff which report is going to get hit. Anyone have any interest in sharing what they know?

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John Shimmer (Jshimmer)

Wednesday, January 17, 2001 - 01:22 pm Click here to edit this post
There *is* a list on one of the other credit sites, but it's pretty much useless. Most creditors don't pull from one and only one. And to compound that, depending upon the area of the country you live in, they might pull your Equifax for the NE area, but your EFX if you live in the south, or your TU for the midwest (just a generalization, nothing exact). I live in the midwest and can share SOME lenders based on my current inquiry histories on my reports (if you live in the midwest).

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Christine Baker (Admin)

Wednesday, January 17, 2001 - 05:43 pm Click here to edit this post
Yeah, that's true, it's a regional thing. I wished we'd know ahead of time too.


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