† God Bless You † asked:
Experian? Equifax? Transunion?
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.
Fix Credit Score
in my experience it is equifax
All three, this is the top three, and they all are used.
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