Who do they pull? Auto Brands and the Credit Bureaus they Use…

Many auto finance companies’ choice of credit bureau varies based on what region of the U.S. you are in.  Overall, though, this is who I have found the following car-makers’ captive finance companies credit bureau of choice:

Mercedes-Benz:  TransUnion
BMW:  Equifax
Lexus:  Experian
Audi:  TransUnion
Volkswagen:  TransUnion (Audi and VW are one in the same)
Jeep (Chrysler):  Experian
Toyota:  Experian
Nissan:  Equifax
Honda:  Equifax or Experian
Ford:  Equifax
Mazda:  Equifax
Hyundai:  Experian
Kia:  Experian

Remember:  the above is for the captive lender only! (VW Financial Services, BMW FInancial, etc.)  If you go to a dealership and apply for credit, they will likely pull all three and send your application to several banks who may choose to pull any or all three credit reports themselves.