What do lenders get to see when they run your credit?

"Do lenders see what I see on my credit report from sites like Credit Karma? Or do lenders see something else on my credit report that I can't? I'm applying for a car loan and I know that lenders have to run your credit."

Answer provided by
Eric Schad
Answered on Jul 28, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
Credit Karma and similar websites pretty much show you the exact thing that you’ll see on a credit report run by lenders.
A lender’s credit report is more in-depth, as their experience allows them to understand the various aspects of the report that you might not comprehend.
Furthermore, a major difference is what credit report you’re looking at. When you’re on Credit Karma, you’re probably only looking at your TransUnion and Equifax credit report, but not every lender uses these credit reporting agencies. Some might also use Experian to calculate your score, and each score might be different.
To avoid any surprises, make sure to check out all three of these credit reports at least once a year so you know what’s on your report.”

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