: Often preferred by traditional banks. Dealers may also pull an Equifax report if an initial score from another bureau is borderline, hoping for a stronger result to secure approval.
There is no single "default" bureau used across the entire industry, as the choice depends on the specific lender’s preferences and internal policies. what credit bureau is used to buy a car
Lenders rarely look at the "base" credit score you see on consumer apps. Instead, 90% of top lenders use specialized . : Often preferred by traditional banks
: While standard FICO scores range from 300 to 850, FICO Auto Scores typically range from 250 to 900 . Lenders rarely look at the "base" credit score
: Frequently the first choice for dealerships because it provides the FICO Auto Score quickly. Captive finance groups (like those run by major manufacturers) often have established agreements with Experian .
: Commonly used by subprime or "bad credit" lenders. Some large national retailers, such as AutoNation , also lean toward TransUnion for initial checks. The "Auto Score" Difference