Equifax Score the best

kep123 · ‎09-03-2009

I'm looking for a new auto loan. My equifax score is the best of all three (667 from this site and 680 from CreditReport.com). I am looking to purchase a new car that will cost around $25k and will have a trade in that should amount to 10% down. I make $100k a year and except a student loan and a current car loan at 25% I have very little debt and all of my current open accounts are in good standing. I had a charge off of a auto loan 3 years ago as a result of a divorce. I have a couple of questions, why are my scores from here different from the creditreport.com site for the same credit bureu (equifax). Also, can any one tell me which banks, etc use equifax to pull credit reports on car loans in Alabama.

Thanks in advance.

Anonymous · ‎09-05-2009

The scores you are getting that is not from Equifax, is a BS score. You will get a true FICO score from equifax, or from here!!! BMW pulls Equifax... Go check out the BMW Certified Pre-Owned cars, they come with factory mileage coverage to 100K. Make sure you check www.KBB.com before you go so, so you know the value on both the TRADE-IN figure, as well as the RETAIL figure on the car you might buy. Do drive a car, but go home and do research before you buy anything.

Mark_in_Pasadena · ‎09-14-2009

@Anonymous wrote:
BMW pulls Equifax... Go check out the BMW Certified Pre-Owned cars, they come with factory mileage coverage to 100K.

Just a correction. BMW Bank of North America pulled Experian for me on a 2007 X5 CPO purchase this weekend. I got a great 2.9% APR & they have 0.9% on the 2006 X5 CPO's. I had all my credit reports locked with a security freeze, so I asked the finance manager which bureau he needed unlocked and he said BMW always checks Experian...by the way there's also BMW Financial Services, LLC that finances BMWs at the dealer...I don't know when they choose one vs. the other...maybe BMW Financial Services uses other credit bureaus, but BMW Bank of NA used Experian for me.