Which of the 3 is more important...Auto Loans

[Anonymous]

Hey I just want to say this is the best site and my new drug...

I am working hard to get my score up and thanks to all the great information here hopefully I will see improvments soon...

My question is of the 3 reporting agency which to lenders favor or look at the most???   Is one of the 3 scores more important than others to focus on??? 

And also what score is high enough for a good auto loan???  Im at 630 experian now but will not look at buying a car until CC are paid off in about just over a year...Thanks...

[Anonymous]

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

[Anonymous]

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.

[Anonymous]

Hey thanks and Im from Sunny Florida!!!

[Anonymous]

im from new york, u think u could help me out here....

please email me here....ray21402@hotmail.com