Which credit bureau does chase bank use to pull credit score of loan applicants?


I currently have an ongoing dispute with Experian and thus have a security freeze on my Experian account. This means that potential lenders cannot access my Experian credit score while I am trying to correct my Experian credit report. The problem, however, is that I have started looking for an Auto loan and banks that use just Experian keep denying my loan request because they are unable to access my credit score. I was wondering if you guys knew of banks and/or credit unions that use either Equifax or Transunion (my score on these two is around 740 which is correct). Thanks for all the help.
Thank you guys for your answers! :) All very useful and insightful information!!

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3 Comments

  1. Sgt Big Red says:

    Chase reports to all three but may only use one for a quick credit check.
    Make sure you do your shopping all within a short period of time (14 days) as each CRA recognizes one is “rate shopping” and this will only allow for one (1) hard hit on your credit reports.
    If you shop for a longer period of time, you may get hit with a lot of hard inquiries and that lowers your score.

    Experian has become the worst CRA and they are out doing their own thing. There are many pending lawsuits against them due to their changes and making it harder for people to access their reports and to dispute anything.

    Hope this helps answer your question.

  2. SPIFIMAN1 says:

    Auto finance is what I do for a living and for auto loans Chase uses Equifax.

  3. Saphire says:

    Equifax

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