Keng

Anyone

elite

iTrader: (1)

Equifax and TransUnion

RaulGCustom

iTrader: (50)

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

Keng

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

Gamedog

iTrader: (9)

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

elite

iTrader: (1)

They check with themselves(IFS) for that.

da mayor

iTrader: (2)

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

elite

iTrader: (1)

**** test

Mike

iTrader: (1)

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

Keng

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

chasemyaccord

iTrader: (2)

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

RaulGCustom

iTrader: (50)

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.

Graham

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.

RIDEwithG

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

Keng

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