Who uses Equifax/Transunion?

[edwardalex]

I know there was another list circulating but I wanted to see if there were any updated lists around.

If anyone has one, pls post.

Here's what I've found:

Transunion
==========
RBC
AMEX
CTFS
MBNA (though they may pull equifax if there is not enough info on TU)
ROGERS

Equifax
========
TD
CIBC
ScotiaBank
BMO
National Bank
Wells Fargo

[McGobbler]

I can confirm MBNA is Transunion as I just did identity confirmation for an app and they alluded to Transunion.

[boyoflondon]

TD Canada Trust (TD) Visa - Uses Equifax Canada primarily.
Royal Bank (RBC) Visa - Uses Trans Union of Canada primarily
Bank of Montreal (BMO) MasterCard - Uses Equifax Canada
ScotiaBank Visa - Uses Equifax Canada
CIBC Visa - Uses Equifax Canada
Capital One - Uses Trans Union
Citi Canada - Uses Equifax Canada

[brunes]

Everyone "reports" to both however, correct?

[elle505]

I'm pretty sure Capital One uses both. Has this changed?

[Donomight25]

Trans Union and Equifax are used by all companies for REPORTING services.

As for initial credit checks, the underwriter would usually pull a TU for past credit history and a soft tap for Equifax for employment/address history.

If the creditor pulls an Equifax for the initial check, a soft tap TU is pulled as well.