Refinance Question's

[Anonymous]

During the month of May this year, I financed a motorcycle. My credit score was in the 570-580 range.

After monitoring my score from each credit bureaus for 5 months, it looks like my motorcycle lender only reports to Experian. My scores for TransUnion and Equifax have gotten a little better but still not in the 600's. Experian on the other hand, I'm at 636.

I was looking to refinance within the next few months or even after a year of on time payments but was wondering if it was even possible. I was hoping to refinance through DCU but it looks like they pull Equifax.

Is there any way or is there a certain bank that pulls experian especially since they would want to see my on time payment history for what I'm trying to refinance?

As far as DCU, would I be able to ask them to pull experian instead? I know it might be easier to ask them but having all of you guys on this forum might have had a similar situation.

[Anonymous]

anyone? any help would be appreciated

[mitchblue]

Maybe the other two CB's are a bit slow? I would think any loan, Car, Motorcyle, Morgage etc would be on all 3. When did it report on the one?

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@Anonymous wrote:

anyone? any help would be appreciated

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[Skye12329]

It's possible they only report to EX which would be odd. But it could be worse. I know our first auto loan, the bank said they do not HP your credit but they also dont report to the bureaus...they were right (small bank). As for asking I don't think you can really ask what bureau someone pulls. Usually a bank is just dedicated on pulling whom they want.

[Anonymous]

sorry for the LATE reply. It reported on experian the same month i got the loan. Till today, nothing on EQ or Trans