topic Re: Freezing a bureau before going for an auto loan? in Auto Loans

Freezing a bureau before going for an auto loan?

Rebuilding69 — Thu, 17 Jul 2014 23:19:38 GMT

Hopefully I'm wording this correctly...

I read the "Guide to Financing, Leasing, and Refinancing a Car" sticky above, & saw where it said to try and get a loan from places that skew towards your good bureaus, but I was wondering if you can freeze a bad bureau & have whoever the lender is only check the ones you want? Or would they ask you to unfreeze first, or does it not matter? I'm going with NFCU probably but I need to find out which bureau they tend to check, and was hoping to freeze my bad bureau just in case.

Any thoughts on this?

Re: Freezing a bureau before going for an auto loan?

DaveSignal — Thu, 17 Jul 2014 23:29:10 GMT

They are going to pull Equifax and afaik, that is all that they will pull. You might be able to get them to pull TU if you talk to someone, but they might ask you to unfreeze it.

Re: Freezing a bureau before going for an auto loan?

Rebuilding69 — Thu, 17 Jul 2014 23:32:54 GMT

oh ok, EQ was the one I wanted to freeze

Maybie I'll get lucky & they will pull TU.

Thanks for the swift reply

Re: Freezing a bureau before going for an auto loan?

dursty87 — Fri, 18 Jul 2014 02:41:29 GMT

NFCU pulled TU for me on a refi I just did with them last week. Don't know about new loans though. My EQ was t frozen either.