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What do lenders get to see when they run your credit?
"Do lenders see what I see on my credit report from sites like Credit Karma? Or do lenders see something else on my credit report that I can't? I'm applying for a car loan and I know that lenders have to run your credit."
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“
Credit Karma
and similar websites pretty much show you the exact thing that you’ll see on a credit report run by lenders.A lender’s credit report is more in-depth, as their experience allows them to understand the various aspects of the report that you might not comprehend.
Furthermore, a major difference is what credit report you’re looking at. When you’re on Credit Karma, you’re probably only looking at your TransUnion and Equifax credit report, but not every lender uses these credit reporting agencies. Some might also use Experian to calculate your score, and each score might be different.
To avoid any surprises, make sure to check out all three of these credit reports at least once a year so you know what’s on your report.”
View full answer
- Gregory R.
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