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Auto Loan - Which CB does Toyota TFS use? Honda checked my Experian.

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Auto Loan - Which CB does Toyota TFS use? Honda checked my Experian.

Hello, I am shopping for a car. 

 

  • I want a Toyota lease or 0% financing and need to know which credit beaureu Toyota Financial Services uses (TFS).

Honda offered me a great deal on a CRV lease, $249/mo plus tax so about $270 per month PLUS carry my negative equity from current car. Looking at $3300 

 

Here is my summary:

  • Experian - 672
  • Equifax - 702
  • TranUnion - 724
  • Bankruptcy discharged March 2016
  • Since my BK I have perfect payment history. 
  • Total Debt - $11,800
  • 1 Auto loan @ 20% interest with $8,800 remaining - Approx. $3,300 negative equity.
  • 1 Personal loan @ 25% interest with $3000 remaining.
  • 1 Capital One Quicksilver $1850 CL with less than 10% utilization.
  • 1 Ollo with $1200 with 05 utililization. 
  • One negative mark, discharged auto loan from March 2013 - almost 7.5 years. In dispute, should be removed soon. 
2 REPLIES 2
New Contributor

Re: Auto Loan - Which CB does Toyota TFS use? Honda checked my Experian.

It's best to ask your local dealer what they pull. My Toyota dealer pulled Experian (Toyota Financial). They didn't even use the auto ehanced score. I've seen others say they pulled Equifax or multiple CB's.

Message 2 of 3
New Member

Re: Auto Loan - Which CB does Toyota TFS use? Honda checked my Experian.

That's what I keep seeing. Everyone pulls Experian. My apartment pulled TransUnion. Other than that... All Exp!

Thanks for the response.
Message 3 of 3
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