Personal Finance

Which companies/banks use TransUnion?

  • Last Updated:
  • Dec 12th, 2011 7:12 pm
Tags:
None
[OP]
Jr. Member
Jul 11, 2006
185 posts

Which companies/banks use TransUnion?

I always wondered which credit cards/companies/banks use transunion to do their credit checks? I know AMEX and MBNA use them, but who else?
46 replies
Deal Expert
User avatar
Aug 18, 2005
15913 posts
1270 upvotes
GTA West
From my Transunion report, I see enquiries from the following:

Rogers Cable
Royal Bank of Canada
Royal Bank of Canada VISA

PC Financial and Citi MasterCard reported to Transunion but did not make enquiries.
- Not Collecting AIR MILES Since 2016/07 -
- Casual Gastronomist -
Sr. Member
User avatar
Jan 27, 2006
641 posts
COURTENAY
TU-- bell mobility
Rogers wireless

EQ--GE money HBC
ICICI
Citifinancial
Telus mobility
PC Financial
Chase Sears
Amicus Financial
ING Bank
Citi Cards Canada
Newbie
Jun 3, 2008
33 posts
SW Ontario
CMHC uses just equifax, Genworth uses both Equifax and Trans Union.
Sr. Member
User avatar
Jun 12, 2008
983 posts
161 upvotes
Here is some info I found on another forum. I don't know if it is 100% correct though.
...
I've figured out where some of the different banks get their reports:
RBC (Primarily Trans Union)
CIBC (Equifax)
Scotiabank (Usually Equifax these days, although have seen them on TU)
TD (Primarily Equifax)
HSBC (Can use either EFX or TU, though I was told its always Equifax first)
PC Financial: (Equifax)
Sears Card/JPMorgan Chase: (Primarily Equifax)
Desjardins (Equifax)
Canadian Tire (TransUnion)
AMEX (Primarily TransUnion)
Capital One (Both EFX and TU are pulled once application is submitted)
GE money (incl. Bay Card) (Equifax)
Citibank (Equifax)
Citizen's Bank: (Equifax)
MBNA: (Primarily Trans Union)
BMO: (Equifax)
CUETS/Credit Union Mastercard (Equifax; though they will pull Trans Union if you ask)
Wells Fargo (Primarily Equifax)
National Bank of Canada: (Equifax)
MOST Credit Unions (Equifax)



As well, here are some of the cell phone providers:

Telus: (Primarily Equifax)
Bell/Solo: (Equifax)
Rogers/Fido: (Primarily Trans Union)

I've also never heard of anyone that relies on information from a rather clandestine source, namely NCB (now called Experian). If anyone knows who uses their reports, I would love to find out. As a matter of fact, I got my report for them and there were *NO* inquiries from any one, and not all of my accounts showed up on there.
...
Jr. Member
Jan 12, 2008
163 posts
19 upvotes
Toronto
CCCC3333 wrote:
Jun 15th, 2008 4:12 pm
Here is some info I found on another forum. I don't know if it is 100% correct though.
I'm the one that wrote the list; here are a few corrections and additions:

CUETS Financial MasterCard: Primarily Trans Union (I suppose this is the case since they got bought by MBNA)
Rogers/Fido: Primarily Trans Union
DCR Finance: Trans Union
Bell/Solo: Equifax
Telus: Equifax
Virgin Mobile: Equifax
Koodo: Equifax

Macy's Card (yes, you can get one if you're Canadian!) Both, although it would appear they use Trans Union first.
Member
Nov 14, 2007
332 posts
1 upvote
Actually Dejardin uses and reports to TransUnion
Deal Addict
User avatar
Jan 22, 2008
2577 posts
213 upvotes
I really thought most use Equifax but most of my financial institutions use Transunion :-0
Jr. Member
Aug 23, 2007
116 posts
Toronto
I've got this information from the mortgage specialist that I'm working with.

RBC uses TransUnion
CIBC uses Equifax

Thank you so much for posting this thread. I've been looking for this information everywhere.
Jr. Member
Aug 23, 2007
116 posts
Toronto
Steve1 wrote:
Jun 15th, 2008 1:30 am
CMHC uses just equifax, Genworth uses both Equifax and Trans Union.
How do you know which bank uses Genworth or CMHC? and how did you find out about which credit agency they use.
× < >

Top