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What credit bureau do car loans use?
In one of my credit reports by Experian, some of my information isn't correct. I've been in communication with them about it, but it seems to be moving slowly. My information is accurate with the other two, though. So, which credit bureaus do lenders look at when you apply for a car loan?
Lauren Smith · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear that the process of fixing your report is going so slowly. The three credit bureaus used for car loans are:
- Equifax
- Experian
- TransUnion
Equifax and Experian tend to be used more frequently than TransUnion, but overall, it varies by lender. I would recommend talking to the lender and explaining the situation in your specific case.
You can also come prepared with other documentation to help. Being organized and proving you’ve done your research will reflect well on you.
- Have a specific car in mind, and find out its VIN.
Car loans can get pricy, but you can save money on other car expenses using the
Jerry
app. Jerry is a car insurance comparison tool that collects quotes in minutes from 50+ top insurance companies, like Nationwide, Allstate, Safeco, Progressive, and Travelers. The average Jerry user saves $879 a year.I hope you’re able to get that report fixed soon!
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- Gregory R.
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