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Unfortunately, it’s hard to find a loan company that states it only uses Equifax — or any one credit bureau, for that matter. Why Loan Companies Use More Than One Credit Bureau Lenders want to make sure that someone seeking a loan will pay it back.
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Finding an Equifax-Only Lender. Credit pulling is a somewhat fluid business, so there's no way to create an accurate, comprehensive list of lenders who only use Equifax. However, user-created credit pull databases can serve as helpful starting points. Once you've narrowed down some options, call the lender and ask which bureaus it uses.
We've listed the credit cards that use Equifax only, as well as a few that use Equifax and another credit reporting bureau. Credit cards that pull Equifax are tricky to know for sure but here's what we do know.
Mortgage lenders will pull a mortgage score from each of the 3 major CRA's and use the mid score. You can't assume that mortagage lender only uses one CRA. What banks/ lenders use Equifax? | Credit Karma