Do lenders use Equifax or TransUnion for car loans?

I was recently looking at my credit reports because I want to get a car loan. My Equifax report is great, but my TransUnion report is showing a delinquent payment. Do lenders use Equifax or TransUnion for car loans?

Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Lenders use a variety of credit bureaus to vet
car loan
applicants, including Equifax and TransUnion.
Others include:
  • Experian
  • FICO
Equifax, TransUnion, and Experian are the most popular options, as they provide a detailed breakdown of your credit history. FICO, on the other hand, only provides a score.
If you’re seeing a delinquent payment on your TransUnion report, you need to either pay the amount (if it’s valid) or contact TransUnion to report the issue as fraudulent.
If you’re planning on buying a car, you should check all your credit reports to see how you can improve your credit score. Paying down debt and paying off any delinquent accounts should make you a more viable loan candidate.
Keep in mind that you’ll also need full coverage car insurance when you purchase a vehicle. That’s when
comes in handy. As a licensed car insurance broker, Jerry allows you to compare rates and does all the paperwork on your behalf. Getting car insurance has never been so easy.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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