topic Re: WHO USES TRANSUNION? in Auto Loans

WHO USES TRANSUNION?

tryin_to_make_it — Fri, 13 Feb 2009 02:19:32 GMT

Does anybody know which banks/ finance comanies or loan companies use TransUnion? I want to purchase a car for the lowest possible interest rate and my TransUnion report is my highest score right now.

Re: WHO USES TRANSUNION?

SCF — Fri, 13 Feb 2009 02:22:43 GMT

Where are you located?

Security Service Federal Credit Union (in Colorado and Texas) generally pulls TU.

Re: WHO USES TRANSUNION?

MattH — Fri, 13 Feb 2009 02:23:55 GMT

@tryin_to_make_it wrote:
Does anybody know which banks/ finance comanies or loan companies use TransUnion? I want to purchase a car for the lowest possible interest rate and my TransUnion report is my highest score right now.

Well, as of late Feb 2008 when I last pulled my free annual reports from www.annualcreditreport.com my TU had multiple soft pulls from Discover, Wells Fargo, and Citibank.

Re: WHO USES TRANSUNION?

Anonymous — Fri, 13 Feb 2009 14:26:41 GMT

I know from previous experience- most of the Honda dealerships use TU. Good luck!

Re: WHO USES TRANSUNION?

tryin_to_make_it — Fri, 13 Feb 2009 18:48:09 GMT

Im located in South Carolina, but I am very close to Charlotte, NC.

Re: WHO USES TRANSUNION?

sonogirl — Wed, 18 Feb 2009 03:58:53 GMT

VW PULLS TU. Check whogavemecredit.com

Re: WHO USES TRANSUNION?

Anonymous — Tue, 10 Mar 2009 06:04:47 GMT

GMAC does.

Re: WHO USES TRANSUNION?

Anonymous — Sun, 27 Nov 2011 20:26:52 GMT

TU uses the EMPIRICA scoring system, which has a wider range (150-934) compared to FICO (300-850) / BEACON (340-820) scoring - which is why it appears TU's rating you higher.

Re: WHO USES TRANSUNION?

marty56 — Sun, 27 Nov 2011 21:55:05 GMT

@SCF wrote:
Where are you located?

Security Service Federal Credit Union (in Colorado and Texas) generally pulls TU.

As does RBFCU (Texas)

Re: WHO USES TRANSUNION?

Booner72 — Sun, 27 Nov 2011 22:48:53 GMT

I'm in Oregon and Chase used TU - Subaru uses Chase.

What I did was call around all the dealers, asked to talk to the Finance Manager (no one else would know) and asked which report they pulled, and whether they used regular FICO or auto-enhanced FICO.

My TU was WAYYY higher, and somehow, by some miraculous occurance, the dealer talked the local credit union into going w/ my TU score even though they use EQ!

Good Luck.