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Contributor
Posts: 97
Registered: ‎10-13-2008
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WHO USES TRANSUNION?

Does anybody know which banks/ finance comanies or loan companies use TransUnion?  I want to purchase a car for the lowest possible interest rate and my TransUnion report is my highest score right now.

Starting Score: EQ-556, TU-614
Current Score: EQ-718, TU-768, EX-739
Goal Score: EQ-800, TU-800, EX-800


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Valued Contributor
Posts: 1,287
Registered: ‎06-09-2008
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Re: WHO USES TRANSUNION?

Where are you located?

 

Security Service Federal Credit Union (in Colorado and Texas) generally pulls TU.

Senior Contributor
Posts: 3,240
Registered: ‎04-03-2008
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Re: WHO USES TRANSUNION?


tryin_to_make_it wrote:
Does anybody know which banks/ finance comanies or loan companies use TransUnion?  I want to purchase a car for the lowest possible interest rate and my TransUnion report is my highest score right now.

 

Well, as of late Feb 2008 when I last pulled my free annual reports from www.annualcreditreport.com my TU had multiple soft pulls from Discover, Wells Fargo, and Citibank.

 

TU 791 02/11/2013, EQ 800 1/29/2011 , EX Plus FAKO 812, EX Vantage Score 955 3/19/2010 wife's EQ 9/23/2009 803
EX always was my highest when we could pull all three
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New Member
Posts: 10
Registered: ‎06-05-2008
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Re: WHO USES TRANSUNION?

I know from previous experience- most of the Honda dealerships use TU. Good luck!
Contributor
Posts: 97
Registered: ‎10-13-2008
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Re: WHO USES TRANSUNION?

Im located in South Carolina, but I am very close to Charlotte, NC.

Starting Score: EQ-556, TU-614
Current Score: EQ-718, TU-768, EX-739
Goal Score: EQ-800, TU-800, EX-800


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Regular Contributor
Posts: 121
Registered: ‎12-12-2007
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Re: WHO USES TRANSUNION?

VW PULLS TU. Check whogavemecredit.com

09/11 TU 599 EQ 601
New Visitor
Posts: 2
Registered: ‎03-09-2009
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Re: WHO USES TRANSUNION?

GMAC does.
New Member
Posts: 2
Registered: ‎06-25-2007
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Re: WHO USES TRANSUNION?

TU uses the EMPIRICA scoring system, which has a wider range (150-934) compared to FICO (300-850) / BEACON (340-820) scoring - which is why it appears TU's rating you higher.

Super Contributor
Posts: 5,703
Registered: ‎10-06-2007
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Re: WHO USES TRANSUNION?


SCF wrote:

Where are you located?

 

Security Service Federal Credit Union (in Colorado and Texas) generally pulls TU.


As does RBFCU (Texas)

11/28/2014 FICO: EQ: 796 EX:788 TU:803
Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
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Re: WHO USES TRANSUNION?

I'm in Oregon and Chase used TU - Subaru uses Chase.


What I did was call around all the dealers, asked to talk to the Finance Manager (no one else would know) and asked which report they pulled, and whether they used regular FICO or auto-enhanced FICO.

 

My TU was WAYYY higher, and somehow, by some miraculous occurance, the dealer talked the local credit union into going w/ my TU score even though they use EQ!

 

Good Luck.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
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