Hello, it has been my experience in Southern Cali that the following banks use experian: MBNA (usually will check this first...then trans union to verify any info and compare any info if needed) First USA Texico/Citi WFFN/JCrew That is all that I can think of right now but I am almost positive that anbcards.com uses experian (they are citibank but still use a different web site).