Safe to say CU will pull Equifax?

[6speed8]

I'm going back and forth between a Sonata and Optima. Same car.  I'm not confident Hyundai/Kia finance will approve me with the Ch7 even over a year old so the more options the better. 2015 was the "new" chassis for the Sonata. Optima got it for the 2016 model year. If it comes down do finding a 2015. I'd prefer to get the Sonata over the Optime since it is the new generation but not ruling out the 2015 Optima if the deal is too good to pass by. If it comes down to 2016 versions, then I have no problem waiting until the fall to get a better deal. I complied a list of both to keep my eyes on and update every few weeks. Currently within a 200 mile radius, there's 76 2015 Sonata 2.0T Limited's still in inventory and 45 2015 Optime 2.0T SX w/Tech package and SXL's within that same radius. The Sonata stickers around $34,600. The lowest current price listed is close by. They have 5 of them. Four are listed at $26,800 with "incentives", dealer discount and rebates. Number 5 is still listed at $30,000. The Optima's range from $28,500 to $30,000 with stickers from $34,500 - $36,500.  I'm flexible on the color so long as I can find one equipped as I want - Limited or SX w/Tech / SXL. A CPO of either isn't out of the question. The odds of a 2015 being around in June aren't great but it does happen. I was monitoring our Kia dealer's inventory often in 2015. They had a several 2014 models as late as July. Hell they even still had a 2014 Optima SXL until July and it's their #1 seller.

Since Capital One has been sending me at least 5 snail mail /email pre-approvals a month, I figure I'm "IN" with them when the time comes. Any of the local dealers I choose are on their approved dealer list. I opened a savings account with the local Texas Trust Credit Union last month with $400 to establish a relationship. Tomorrow I will be adding $1000 to if with my "split" of our tax refund. The rest went to pay off credit cards that we used for move related things. I don't plan on looking until late June - discharge will be one year on the 10th. I'm hoping to have at least $4000 by then and my scores being at or near 700. I have no problem waiting into the fall to purchase if I can't find the right deal in June/July. It would also give me more time to add to the down payment. Since a 2nd car isn't an absolute necessity, it's win-win either way if I have to wait longer. TTCU pulled Equifax when I opened the account. It took an hour because I have my info marked with fraud alerts. PITA but I'm glad they took the effort to verify everything. I told her what this account was for and she said please give us the opportunity to make it happen. Safe to assume since they pulled Equifax only to open a savings account, that's where they'll pull to do a loan ? It always seems to be my lowest score but I'm working on that. One collections account shows on Equifax only. I opened a dispute on January 20th. In the comments it shows "medical / Ch 7 discharge" but status still reads "Open".

[Gmood1]

No guarantee, though all of the CUs I've dealt with use one credit bureau, besides Navy Fed.

Chances are slim on KIA/Hyundai finance approving you, but you never know. You may slip through the cracks.

Good luck with the card hunt!

[Anonymous]

Chances are they'll pull the same bureau. But you also might want to ask them if they'll use the same pull they just did (if I read things right) for an auto loan (give you a rate now) and how long they'll use it for. I know you anticipate your scores going up, but might as well know where you're at with them now if it doesn't 'cost' you anything. 

[6speed8]

Thanks. I forgot yesterday was a holiday so I'm going in later this morning to make a deposit. I'm not paying Chase a $25 wire transfer fee to transfer money 2 miles down the road lol. I'll ask a few questions while I'm there.

[6speed8]

Just came back. Made a deposit and sat with someone to pick his brain. Gave me a pitch of opening a secured card or secured loan to show some more history with them other than just a savings account. Yeah I know but I figured what the hell. I'll transfer $375 for a $300 card. Got me approved for $500 unsecured. 0% for the first 6 months. 16.99% afterwards. 9.9% on balance transfers so I'm transferring the $239 from the First Premier (First Extortion lol) card at 36% and closing it. I'll pay it off in 2 or 3 payments.

He ran some numberes for me. I just need a 21 point jump in my score to qualify for 5% That won't be a problem by the time I start shopping. It'll be higher.