For me they pulled Equifax. Unfortunately, it seems that is what most pull in my area, therefore I did not get approved. My credit score is excellent and I always pay my bills on time. But...I have 8-10 pulls in the last 2 years. All on Equifax. I recently purchased a car and had 3 ridiculous pulls on my credit from that and then one from the cable company where we hooked the cable up for my daughter in college!! Other than that, I only have 3 CC's. And applied for 3 with this churn. Is there anyway to request or "encourage" them to pull from another credit bureau.