: Commonly used by subprime or "bad credit" lenders. Some large national retailers, such as AutoNation , also lean toward TransUnion for initial checks. The "Auto Score" Difference

When you are ready to buy a car, lenders and dealerships use data from the three major credit bureaus—, Experian , and TransUnion —to determine your eligibility and interest rates. While most lenders report to all three, they typically only pull from one or two during the application process. Which Bureau Is Used Most?

Lenders rarely look at the "base" credit score you see on consumer apps. Instead, 90% of top lenders use specialized .

: While standard FICO scores range from 300 to 850, FICO Auto Scores typically range from 250 to 900 .