topic Need a auto loan in Auto Loans

Need a auto loan

keikdasneak — Sun, 09 Jan 2011 01:41:45 GMT

My Equifax Fico Score is 754. I am tryin to find a Bank or CU that will pull Equifax only.

I went thru Penfed and was denied do to short history... I have 10 years of history and a average of 3 years.

What are my option?

Thanks

Re: Need a auto loan

Anonymous — Sun, 09 Jan 2011 01:49:41 GMT

Never a guaranty they will only use 1 report and or 1 CRA. Other factors can cause them to pull 2 reports and sometimes 3.

Possibly freeze the other 2 Credit Reports and try direct from car dealership. Still no guaranty they wouldn't want you to give access to other Credit Reports.

Re: Need a auto loan

keikdasneak — Sun, 09 Jan 2011 01:59:41 GMT

Yeah i know that, that is why i am asking which CU's i know most of them pull EQ only but i dont want a strict CU to pull my report and denie me for some small reason..

Re: Need a auto loan

Tazman81 — Wed, 19 Jan 2011 18:46:07 GMT

What did PenFed pull and was that the only reason they cited for your denial? You have a good score. Have you had an auto loan before? What area are you in, and what credit unions are in your area? That may help with those that have experience with those particular credit unions to tell you which report is normally pulled.