Here is another link that will give you a different perspective as to which credit bureau might be used in your area. Of course, these kinds of references are just good guesses as to which credit bureau any given creditor might use at any time. Some use them all, some only use one or two. So you can't ever really be sure in advance unless you ask them, but an educated guess is better than no guess at all. http://www.creditwrench.com/credit_report.html
