Moderator Emeritus
Posts: 13,186
Registered: ‎12-30-2011
Re: My Toyota chances?

bbb3601 wrote:

Be that as it may, I was told in my region TU is the only report pulled.  That was from their CS dept, an UW,  and 4 dealers.  Maybe something changed after you left?

This was recent, and I can assure you we had connections to all three bureaus and those routers had been up for a good long while Smiley Happy


TFS like every other major lender tends to pull regionally; however, they don't have to.  If for example I moved to wherever you were, for the next few years there's still a good chance they'd pull EX for me... but that's because I've lived in Cali for the last 8 years and there's a reasonable assumption on the part of lenders that EX will have better data on me than either EQ or TU.


Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)

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