Anyone

 

Equifax and TransUnion

 

they should be reporting to all three Experian, Equifax & TransUnion

 

I meant to ask which one they use to check if you qualify for Tier 0/1 financing.

 

I wanna say they used FICO for me.....

 

They check with themselves(IFS) for that.

 

IFS not only uses the credit reports from experian/transunion but also your whole history and establishments if you have been w/ Infiniti or not. EMployment and salary do help too

 

**** test

 

Equifax, but like Kenny said, they take more than just score into consideration.

 

What about Signature Graduate? Any of you two can chime in? How much does it really help or just gimmick?

 

I think they went with my TransUnion score, but I think they gave me a report with all three scores.

 

I ran into this before when I had a 350Z, they just check how well you're paying your current loan with them (and that you're NEVER LATE), they didn't pull up my credit score at all, they said right away I qualified for tier one.

 

They pulled all three for me, and took the middle score I believe. Unless your spotless on credit, your not going to get teir 0/1, and with today's loans anything less than qualifying at those teirs, may no longer be acceptable by IFS. I managed to get teir 2 with my crap credit. I think if I would have tried now they would just decline me period.

 

They used TransUnion on my lease. Either way, your credits score should be around the same ballpark no matter which bureau they use.

 

Nope, TransUnion gave me 760 while EquiFax gave me 730. 30 points difference is kinda big.