NextCard declined me the other day based on Experian. I'm wondering if I might be able to get a card with a better rate through banks that use TransUnion and/or Equifax only. Eloan.com says my credit score is 707. I think they pulled my Equifax file. I'd like to take that number for a ride to see if I can't start getting better rates. Anyone know what CRA Wingspan uses? Any other banks out there that use just TU or Equifax? Thanks. P.S. I have a Wells Fargo card already -- thanks to posters on this board.