Reply
Contributor
tryin_to_make_it
Posts: 96
Registered: ‎10-13-2008

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-669, TU-693
Goal Score: EQ-700, TU-700


Take the FICO Fitness Challenge
Community Leader<br> Established Contributor</br>
Community Leader
Established Contributor
SCF
Posts: 954
Registered: ‎06-09-2008

Re: WHO USES TRANSUNION?

Where are you located?

 

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

Senior Contributor
MattH
Posts: 3,245
Registered: ‎04-03-2008

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
Always remember: big print giveth, small print taketh away
If you dunno what tanstaafl means you must Google it
New Member
np1970
Posts: 10
Registered: ‎06-05-2008

Re: WHO USES TRANSUNION?

I know from previous experience- most of the Honda dealerships use TU. Good luck!
Contributor
tryin_to_make_it
Posts: 96
Registered: ‎10-13-2008

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-669, TU-693
Goal Score: EQ-700, TU-700


Take the FICO Fitness Challenge
Regular Contributor
sonogirl
Posts: 121
Registered: ‎12-12-2007

Re: WHO USES TRANSUNION?

VW PULLS TU. Check whogavemecredit.com

09/11 TU 599 EQ 601
New Visitor
rooroo1
Posts: 2
Registered: ‎03-09-2009

Re: WHO USES TRANSUNION?

GMAC does.
New Member
SirReal
Posts: 2
Registered: ‎06-25-2007

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
marty56
Posts: 5,679
Registered: ‎10-06-2007

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)

09/12/2013 FICO: EQ: 772 EX:813 TU:752
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011

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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+