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ChiefBlackhoof

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Can you request a bank/loan-institution/etc to use only a specific credit reporting agency(ies)?
The reason I'm asking is that I have 3 hard inquiries on 1 (TransUnion) and none on the others. As such my TU score is approx 15 points lower (780 vs 795) than the others.

TIA

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Not really, they will pull whatever bureau that they work with or choose. If you do some reading on what lenders pull what bureaus for people in your location, you may get an idea as to what lender pulls what bureau. Seriously though, three hard inquiries is nothing to worry about. Make sure that you check your FICO scores as lenders will most likely use a version of them.

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Thanks for the reply

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