I was wondering which credit bureau IFS looks at or do they use all 3???

 

I'm not entirely sure, but if you have something bad on any of them, they'll know it. My suggestion to you, if you have anything bad on your record, always dispute it. Sometimes you'll get lucky and it will be removed if the creditor doesn't respond or provide proof quick enough. Worst case scenario, it just stays there on your record until it 'expires'

 

All lenders check your Equifax, Transunion, Experian records.

Try privacymatters.com to check all 3 of them for free. Just make sure you cancel your subscription within the trial period.