RE: What CRA does Wachovia use They use Equifax mostly for pulling your CR. If they don't like what they see, they will pull from the other two.
RE: What CRA does Wachovia use they stink they are suppose to be sub prime freindly but they are not if you have good credit apply if you do not dont be fooled into a nother neg inqury. also beware of next card. 30% intrest and there particulary about who thy give cards too