Which credit bureau do you use to pull credit?

It depends on the type of loan you’re applying for.

When you apply for a consumer loan, we use the Experian credit report. When you apply for a mortgage, all three credit reports are obtained.

The three credit bureaus are:

  • Equifax
  • Experian
  • Transunion

The credit score we use may be different from other credit scores because each credit bureau uses different scoring models and not all information is reported to each credit bureau. 

You can request a FREE copy of your credit report from each credit bureau each year from AnnualCreditReport.com!

Need help reviewing your credit?  
BALANCE, a free member financial education and counseling service, can assist you with a review of your credit report. To speak with a BALANCE counselor, call 888.456.2227.