Which Credit Report?

Question

In majority of the cases, which credit reporting agency do the creditors mainly pull the credit report information from? (Experian, Equifax, or Trans Union)

Answer 1

Trans Union becasue its traditionally has the lowest score.

Answer 2

It seems to be Transunion in the USA and Equifax in Canada but there's a pretty good chance they'll pull 2-3 just to be sure.

Answer 3

all 3 as we use the middle score for risk gradingand if only 2 have scores then the lowest is used

Answer 4

I've recently looked at my credit report after applying for both credit cards and apartments. Each and every creditor pulled all three reports.

I can't say this is the case 100% of the time. But I saw it across the board on 5 different situations.