Ever wonder which CRA a creditor may use when they pull your credit file to extend credit? Is one of your credit reports better than the other and you want to maximize your success when applying for a credit card or loan? Do you have recent inquiries (for credit) that you are willing to add to our database? Do you have Creditor and/or CRA mailing addresses, phone numbers, email addresses or contact names? Then visit Millennium Credit Building Strategies! Home of the Ultimate Creditor/CRA List. It's free!! It's free because consumers like you not only use it, but you also use our web site to add your inquiry information, as well as adding creditor and CRA information. Millennium CBS is at www.millcbs.com Check it out! We just performed a major facelift to the site! And we will be adding an enhanced search page soon, too.
That's doing pretty good John. I have much the same thing except from a different perspective on my website. My list tells which is the preferred credit bureau most likely to be pulled by merchants in one's geographical area by zip code on a statistical basis. Using the two lists together should help folks a little bit at least. What mine will do best is to tell folks which CRA they should be working on the hardest to clean up because it is the most likely to be pulled by the merchants in their area. CLICK HERE FOR THE CREDITWRENCH LIST OF CREDIT BUREAUS PROBABLY USED MOST BY MERCHANTS IN YOUR GEOGRAPHICAL AREA BY ZIP CODE We'll hope we can do people some good with lists like these, eh John?
Where did you pull you're information Bill, and how large is you're sample? I was just wondering, because I live in Nebraska, and I have yet to find a bank that pulls Trans Union. I would love to find one, because I have a clean TU report. Seems to me that most of them pull Experian.
You are right about that link. But it gets put in by the message board program and there is nothing I have been able to do about it. bbauer1@netzero.net
About the list - I don't think it is always correct. I live in Arizona, and out here, the preferrred creditor is Credit Data Southwest, which is the local office of Experian. The list lists TransUnion, which I have never seen used by any of my (local) creditors pulling my reports.
Which, AGAIN, is why the ULTIMATE CREDITOR/CRA LIST at www.millcbs.com is better than all the other lists. According to the inquiries that have been added, Arizona has the following: Experian - 16 total inquiries, TransUnion - 6 total inquries, Equifax - 5 total inquiries. I'm telling you -- nothing is better than getting the info right from the mouths of those who are actually APPLYING for credit and reporting their results.
