Dreambig they usually pull all 3 score and choose the average of it / But for autoloan they have their own rating.. be sure to make a credit report before you are going to agency. And if agency shows your lower score show them what you have . I know there was a topic about it but i dont remember where
Good question. Many companies use all 3, so none is more important that then other. Some companies only use one of the 3. What state are you in and I can tell you what company? Transunion is big in Cal and the northeast, Experian is out of Texas and they are huge is the southern/south west states. Equifax has larger market in the northern midwest states. If you give me your state, I can look up the prominent credit agency for that area. Ideally, you want to work on all 3, because they are usually pretty close to one another.