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WHO USES TRANSUNION?

Contributor

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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Message 1 of 10
9 REPLIES
Valued Contributor

Re: WHO USES TRANSUNION?

Where are you located?

 

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

Message 2 of 10
Senior Contributor

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
Message 3 of 10
New Member

Re: WHO USES TRANSUNION?

I know from previous experience- most of the Honda dealerships use TU. Good luck!
Message 4 of 10
Contributor

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


Take the FICO Fitness Challenge
Message 5 of 10
Regular Contributor

Re: WHO USES TRANSUNION?

VW PULLS TU. Check whogavemecredit.com

09/11 TU 599 EQ 601
Message 6 of 10
New Visitor

Re: WHO USES TRANSUNION?

GMAC does.
Message 7 of 10
New Member

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.

Message 8 of 10
Super Contributor

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)

10/17/2017 FICO: EQ 829 TU 830 EX 826
Message 9 of 10
Senior Contributor

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
Message 10 of 10