Which credit bureau is most used for personal loans?

Personal loans can use any of the three major credit bureaus, or some combination of them. There’s no clear favorite among lenders when it comes to credit bureaus for personal loans, but more than 90% of lending decisions use the FICO scoring model. Consumers’ FICO scores from the three bureaus can vary a bit, and there’s usually no way to know which of them a particular lender will use.