Need a auto loan

[keikdasneak]

My Equifax Fico Score is 754. I am tryin to find a Bank or CU that will pull Equifax only.

I went thru Penfed and was denied do to short history... I have 10 years of history and a average of 3 years.

What are my option?

Thanks

[Anonymous]

Never a guaranty they will only use 1 report and or 1 CRA. Other factors can cause them to pull 2 reports and sometimes 3. 

Possibly freeze the other 2 Credit Reports and try direct from car dealership. Still no guaranty they wouldn't want you to give access to other Credit Reports.

[keikdasneak]

Yeah i know that, that is why i am asking which CU's i know most of them pull EQ only but i dont want a strict CU to pull my report and denie me for some small reason..

[Tazman81]

What did PenFed pull and was that the only reason they cited for your denial?  You have a good score.  Have you had an auto loan before?  What area are you in, and what credit unions are in your area?  That may help with those that have experience with those particular credit unions to tell you which report is normally pulled.