What Credit Bureau Do Car Dealerships Use?

If you’re in the market for a new car, you’re probably wondering what credit bureau dealerships use to determine your financing options. Here’s what you need to know.

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The Three Credit Bureaus

All car dealerships use one of the three credit bureaus to pull your credit report.Experian,TransUnion, and Equifax are the three credit bureaus in the United States. Most car dealerships will use Experian because it is the most commonly used credit bureau.


Experian is one of the three main credit bureaus in the United States. The other two are Equifax and TransUnion.

Experian is a global information services company with offices in 37 countries. It is focused on financial data and analytics, and its main business is credit reporting and scoring. It also provides marketing services and products for businesses, including data-driven marketing, lead generation, and customer acquisition.

Experian collects data from a variety of sources, including financial institutions, public records, businesses, and consumers. It then assembles that data into credit reports, which it sells to lenders, landlords, employers, and others who use them to assess risk.


Equifax is one of the three major credit bureaus in the United States. The other two are Experian and TransUnion.

Equifax collects and maintains information on consumers’ credit histories. This information is then used to generate credit reports, which are sold to lenders and other businesses interested in assessing an individual’s creditworthiness.

Equifax has come under fire in recent years for a number of data breaches that have exposed the personal information of millions of consumers. In 2017, the company was fined $700 million by the Federal Trade Commission for failing to adequately protect this information.


TransUnion is a credit bureau that is one of the three major bureaus in the United States. The other two are Experian and Equifax. TransUnion provides credit information on individuals to businesses such as banks, landlords, and employers. This information is used to make decisions about whether or not to extend credit or approve a loan.

TransUnion began in 1968 as a merger between the Union Tank Car Company and the International Investment Trust Company. The company has its headquarters in Chicago, Illinois. TransUnion has over 40,000 employees in 25 countries.

Car Dealerships and Credit Bureaus

Car dealerships use credit bureaus to help them decide whether or not to give you a loan for a car. There are three main credit bureaus in the United States: Experian, Equifax, and TransUnion. Each one uses a different method to calculate your credit score, so it’s important to know which one the dealership will use.

What Do Car Dealerships Use?

Car dealerships commonly use one of three credit bureaus when evaluating a loan application: Experian, Equifax, or TransUnion. They may also use all three, in which case the middle score is often used as the deciding factor.

It’s important to know which bureau(s) a dealership uses before applying for financing, because each bureau has its own method for calculating credit scores. As a result, your score may vary from bureau to bureau.

If you have a strong score with one bureau but a weaker score with another, it’s generally best to apply to dealerships that use the bureau where you have the stronger score. That way, you’re more likely to get approved for financing at the best possible interest rate.

Why Do Car Dealerships Use Credit Bureaus?

Car dealerships use credit bureaus to help them make decisions about whether or not to extend financing to potential car buyers. By looking at information in a consumer’s credit report, dealerships can get a sense of that person’s creditworthiness and whether they’re likely to repay a loan. This information can be helpful in making decisions about who to lend money to and on what terms.

dealerships are not the only ones who use credit reports. Lenders of all types, including banks, credit card companies, and landlords, often look at credit reports when making decisions about whether or not to extend financing or rental agreements.

The Bottom Line

At the end of the day, it doesn’t really matter which credit bureau a dealership uses. All that matters is that you have a good credit score from all three bureaus. This will give you the best chance of getting approved for an auto loan, and getting a good interest rate.

If you’re not sure where your credit stands, you can check your score for free on Credit Karma. Once you know your score, you can start shopping around for auto loans to see which lender will give you the best deal.

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