What Lenders pull an Equifax Credit Report?

Question

I recently pulled my credit report and observed that Equifax has the highest score... I'm trying to buy a house and was wondering if anyone knows which lenders in California only pull an Equifax credit report?

Answer 1

No one.  They not only pull all of them but your credit score is based on all of them.

Answer 2

Most lenders pull all 3 reports and take the middle score. The highest and lowest ones are not taken into account.  

Answer 3

Most lenders would do a report based off of all three major credit bureaus. Equifax almost always would be the higher credit score out of the three. Then there is Experian and TransUnion are also a factor whenever a lender is considering a person for the loan.

Here's the thing. The bank or mortgage lender will take all three credit reports and average them out for your "mean" credit rating or average rating. Based off of that, and your current debt-to-income ratio (That's how much money you make per month versus how much you actually spend.) the loan agent and underwriter will determine how much of a risk a person is on the loan.

Not a lot of lenders would pull only an Equifax report because they do want to determine the risk factor and how you are capable of paying back the money. And if you do find one, I'm pretty sure that they may not be very reputable.