Understanding A Credit File? Require some help please that is understanding. A few bank cards that we have are suppose to are accountable to all 3 bureaus, but, broker is is saying they just reveal through to the Transunion however when we go through the real reportвЂ¦in the TYPE/RATE VENDOR field, they show TRU 01 (EFX), just what does the (EFX) mean? Does that signify it just shows from the Transunion? Please assist me realize….