Apping with DCU. TU only?

[CaliCreditCrazy]

Apping for auto loan tomorrow and wondering if there is any way I can get DCU to use Transunion only?  Here's why:

 http://i62.tinypic.com/1r55c5.png    Scores in signatue.  (Maybe a mod can edit this to actually show?  Guess I'm too new to post pics..)

TU is my only squeaky clean, albeit thin file (3y AAOA).  The others have a nasty timeshare loan thats got lates at 120 days and is 5 years old. 

If I can't get DCU to go for it, what auto lenders will reliably pull TU only? 

[EddieK]

DCU will not pull TU.  They exclusively pull EQ on most occasions.  They will pull EX if you request it.

[tonyjones]

Yep, they pull EQ ONLY!

[sphinx313]

675 EQ FICO is their next tier, so I would wait to apply if I were you. 675 is what gets you the 2.49 and below.

[CaliCreditCrazy]

Thanks everybody for the answers.  Waiting one more day for another card to report.

Since I am not a member, is it better to apply for membership first before applying for an auto loan?  Trying to make sure they don't do multiple pulls if they don't need to. 

[EddieK]

Most apply for membership before a loan product.  I did the opposite, approved for loan, then joined.  It's up to you, either way, it's two pulls.

[Anonymous]

We just applied for membership and an auto loan. The second pull just reported today, but no score change! 

[Anonymous]

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@CaliCreditCrazy wrote:

Thanks everybody for the answers.  Waiting one more day for another card to report.

Since I am not a member, is it better to apply for membership first before applying for an auto loan?  Trying to make sure they don't do multiple pulls if they don't need to. 

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I applied for both, auto loan and membership at the same time. In retrospect, I should have applied and received my membership before applying for an auto loan, it would have made the auto loan process much faster.

[CaliCreditCrazy]

Well.  I applied to DCU and got 24,000 @ 3.99 if I open an account. 

Very disappointed.  I was hoping for at least 30k.  Do they recon, or is it generally a one shot deal?  Can I ask them to pull additional bureaus for consideration?

[Anonymous]

They just do equifax.