Pulling TransUnion?

[trubacha]

Been looking around and have noticed in the comments that TransUnion doesn't seem to get pulled for auto loans unless all 3 are pulled. Is this the case generally speaking for auto loan companies or dealer financing?

[Tuscani]

Yep.. most major purchases like auto or home will pull all three.

The lenders I use to know that pulled TU only have went under.

[trubacha]

If you ask the lender how they look at / use all 3, do they have to tell you?

Is it more common to take the middle score, an average, or just hammer you with all the negatives to justify a higher interest rate?

[Tuscani]

They don't have to.. but they usualy will. Most auto lenders will actually use the higher score. But I wouldn't guarantee that. Just get your scores so you have numbers to compare. Keep in mind they are most likely using auto enhanced scores.. so the scores they have might differ depending on your auto history.

[jestan01]

Hi, All!

The Chevrolet dealership I work for pulls all 3...

Hope this helps.

[trubacha]

So what do they do with all 3? How do they handle the differences between them?

Which of the 3 scores do they end up usually using?

Thanks! 

[Anonymous]

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@trubacha wrote:

So what do they do with all 3? How do they handle the differences between them?

Which of the 3 scores do they end up usually using?

Thanks! 

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It depends on who they get to finance the car. Whatever score/report they know the bank wants to see is the one they will send them. Remember they want you to buy that car, and will try their best to get someone to finance you.

Honestly, and this is how I plan to work the system next time, is to go to the dealer pre-financed. (From your bank, a credit union, or maybe even Crap 1 auto financing). That way you know your amount and loan percentage ahead of time, and if the dealer can beat it thats a bonus for you.