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Senior Contributor
Posts: 6,191
Registered: ‎04-30-2013
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What CRA does Wells Fargo pull from?

Just like the subject asks, what credit reporting agency does Wells Fargo Auto or Wells Fargo Dealer Services pull from when applying for a loan?


Contributor
Posts: 81
Registered: ‎04-15-2013
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Re: What CRA does Wells Fargo pull from?

The credit pull database shows Wells Fargo pulling from all 3 

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Posts: 455
Registered: ‎04-26-2012
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Re: What CRA does Wells Fargo pull from?

[ Edited ]

azguy13 wrote:

Just like the subject asks, what credit reporting agency does Wells Fargo Auto or Wells Fargo Dealer Services pull from when applying for a loan?



I had inquired about auto loans last summer at wells fargo where I bank. Upon my asking, the wells fargo banker called the WF finance people who said that they would pull Equifax for the auto loan. I didn't apply so can't comfirm that that is indeed what happened. Btw, this was in arizona.

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Re: What CRA does Wells Fargo pull from?

There's Wells Fargo Auto Finance and then there's Wells Fargo Dealer Services. I just applied a couple weeks ago to WFAF and they pulled EQ. Just last week I applied through WFDS and they used EX. I was pre-approved and then denied through WFAF with a 650 EQ FICO. I was approved for 0% financing for 60 mo. for a new 2013 Chevy Traverse through WFDS with a 623 EX FICO.


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Posts: 1,517
Registered: ‎09-14-2012
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Re: What CRA does Wells Fargo pull from?

Through the dealer in January WFDS pulled EX.  I had WF Financial for an Infiniti a number of years ago but couldn't tell you what they pulled.

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Senior Contributor
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Registered: ‎04-30-2013
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Re: What CRA does Wells Fargo pull from?

[ Edited ]

Thanks the for the help. For received my current WFDS loan a few years ago and now can't see where they pulled from. I am about to pay off a 60 month loan in 30 months and will be looking for a new vehicle. I hear rumors of WFDS being amazing after the first loan with no baddies and I will have paid off the loan in 1/2 the time. 

 

Since my last loan, my score has gone up substantially so I am getting excited to see what I qualify for. Sadly, I must wait 6 months or so before I start looking. 


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