What credit agency does Larry H Miller use?

[MsViola]

Need a new vehicle, upside down in my current one.  Saw one I like at Larry H Miller but need to know what credit agency they pull.

 

Thank you. 

[IndyPoolPlayer]

It depends largely on what brand of vehicles that dealership sells and that manufacturer's captive lender.

[centex]

Knowing the State is often more relevant than a particular dealership.  Even within a captive on new vehicles, there is a lot of lending that might use one bureau in one part of the Country and a different bureau elsewhere. 

 

This does not even touch on the local lenders to whom they may try to shotgun the application out to unless you take constructive steps to limit where they may shop the application.

[MsViola]

CO is my state

[Cactus Flower]

I'm in Arizona and they pulled TU.  

[WestCoastKid]

Also often times the dealership itself will pull a a particular credit bureau then submit it to different lenders, each of whom will again pull whichever bureau of their choosing.  For example, my last car purchase the Mercedes dealership pulled EX (my worst), then submitted to several banks.  The bank we went with had pulled my EQ to formally approve the deal which was great for me because my EQ auto score was waaay higher than my EX.

Edited October 3, 2018 by WestCoastKid