I understand that on a home loan/mortgage, a lender uses the middle of average FICO score. For auto financing, does the auto financing company (dealer, bank, CU, etc.) do the same (take an average of your AutoFICO scores) or do they rely on a specific CRA? For example TU and EQ show my previous Ford Credit accounts (all up to date and paid on time ), where EX does not show ANY of my past auto accounts. If a lender only looks at EX, am I in trouble (with higher rates, a higher possibility of denial, etc.)?
Before you apply for your next auto loan purchase & print out your latest FICO scores from all 3 agencies. Bring that print out with you to your Bank, CU, dealership etc & if they quote you a rate higher than you feel you deserve or flat out lie to you about your credit report you have documentation to help get you a better rate. Never let a dealership know more about your credit scores than you & you should be fine once they know they cannot fool you.
Generally, auto finance companies will pull one specific CRA. Very few pull all three.
Does that mean if the lender pulls only EX (where none of my auto accounts appear) I might not get as good a rate (or worse) as if they pulled TU and saw all my other auto accounts were all paid according to terms? Does anyone know who Chrysler/Jeep pulls?