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nicee!!!!!! and thanks everybody, Im proud of myself have really come a long way since joining this forum
Be that as it may, I was told in my region TU is the only report pulled. That was from their CS dept, an UW, and 4 dealers. Maybe something changed after you left?
@bbb3601 wrote:Be that as it may, I was told in my region TU is the only report pulled. That was from their CS dept, an UW, and 4 dealers. Maybe something changed after you left?
This was recent, and I can assure you we had connections to all three bureaus and those routers had been up for a good long while
TFS like every other major lender tends to pull regionally; however, they don't have to. If for example I moved to wherever you were, for the next few years there's still a good chance they'd pull EX for me... but that's because I've lived in Cali for the last 8 years and there's a reasonable assumption on the part of lenders that EX will have better data on me than either EQ or TU.
FYI -
I was shopping for a Toyota last weekend to take advantage of their 0% APR. I was told that Toyota will first pull EXP and if the auto enhance FICO is higher than 610, they can use either TU or EQ , if your EXP is not high enough to qualify for the 0%. I'm in Southern California.