Does TD use Equifax or TransUnion?

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When applying for a loan or credit card with TD Bank, expect them to check your credit through Experian. Though they might occasionally look at Equifax or TransUnion, that’s quite rare. So, if you’re dealing with TD Bank credit, keep Experian use in mind as the primary reference for your creditworthiness. Reach out via phone, text, or live chat if you have any questions.

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Td, Equifax & Transunion Question

Does TD use Equifax or TransUnion? Does TD Bank use Equifax, TransUnion, or both when checking credit for loans or cards?

From: Anonymous Question
Location: Barrie, Ontario (ON)
Category: financial planning

Td, Equifax & Transunion Answer

TD Bank typically turns to Experian to check your credit when you apply for a loan or a credit card. Now, it’s not unheard of for them to peek at what Equifax or TransUnion have to say, but that’s more of a rare exception than the rule. So, when you’re dealing with TD Bank, you can expect Experian to be the go-to source for evaluating your creditworthiness.

From: Insider Adam

Office of the Superintendent of Bankruptcy (OSB) Answer

The provided sources do not contain information regarding whether TD Bank uses Equifax, TransUnion, or both when checking credit for loans or cards. This information is typically found in financial institution policies or credit reporting guidelines, which are not covered in the given legal texts.

From: OSB Helper

Related Questions to Equifax, Transunion & Td

Here are the top 5 most frequently asked questions related to the use of credit bureaus by TD Bank, along with brief answers:

1. Does TD Bank use Equifax or TransUnion for credit checks?

TD Bank usually pulls your Equifax credit report[4].

2. How can I check my credit report if TD Bank uses Equifax?

You can access your free online credit report through the websites of the credit reporting agencies, including Equifax[1].

3. What happens if TD Bank reports inaccurate information to the credit bureaus?

If TD Bank reports inaccurate information, you should dispute it with the bank and the credit reporting agency, as the bank is required to investigate and correct such errors[2][5].

4. Can I dispute a credit report error with TD Bank?

Yes, you can dispute a credit report error with TD Bank, and they are required to properly investigate and resolve such disputes[2][5].

5. How often should I check my credit report if I am a TD Bank customer?

You should check your credit report regularly, ideally every few months, to ensure there are no inaccuracies or negative information reported by TD Bank or other creditors[1][2].

If you have a question about debt see our debt questions or ask your own debt related question.

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