Lenders rarely look at the "base" credit score you see on consumer apps. Instead, 90% of top lenders use specialized .
: 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 what credit bureau is used to buy a car
: 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 . Lenders rarely look at the "base" credit score