Reviewed by Shannon Martin, Licensed Insurance Agent.
Good question. Lenders use all three major credit bureaus to approve car loan rates, but each lender may run your credit through one or more credit bureaus, including:
TransUnion
Expedia
Equifax
Since you’re worried mostly about your TransUnion credit report, you should definitely do what you can to tidy it up. Pay off any delinquent or derogatory accounts and try to pay off some of your credit card debt to make your credit report more attractive.
lender will look at more than one credit report, especially if you’re a borderline candidate for car loan approval. As a general rule, you should check all three of your reports. You can do this by requesting the report (you can only get one a year, so make sure you want the car loan) or by hopping on
If you’re stretched a bit thin on your finances with a car loan, you can also save money in other ways. One of those is through car insurance. By using the
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.