Which credit bureau predominantly do car dealers check when buying a new car?

Question:
My score differs from each credit bureau. Can I request that they check a specific one?

Answers:

Im looking to buy a used car any ideas?

both of those answers are wrong. there are three credit bureaus yes. equifax, transunion and experian. there is no set answer as to which bureau do dealers use. i generally pull equifax and transunion, mainly because those are the two bureaus that my banks use most. i deal with about 13 different banks and they vary on which bureau they like. some lenders will use multiple bureaus most of the time the one w/ the highest score to get it to score the best in their system and get the best rates/terms. chrysler defaults to transunion, toyota defaults to equifax. wells fargo defaults to transunion but all three will use the other two bureaus. in louisiana experian is the default bureau for most lenders. amsouth, trustmark, national, capital one all prefer and usually only pull equifax, citifinance pulls either transunion or equifax , but their system defaults to whichever bureau has the most trade lines.. chase, americredit, drive all use transunion.
as far as the bureaus go themselves. there are different versions of each bureau. car lenders specifically pull an auto based bureau. housing pulls a housing based bureau. when you pull your own credit it is a general bureau, not focused towards any specific lending institution. we pull equifax 5.0 auto, and transunion auto 04 which is what most of my lenders use. but you wont be able to pull those w/out dealers licenses.
last but not least. credit scores themselves dont always make the final decision for the banks when it comes to financing or rates. most have internal scoring systems that base on risk factors, debt to income, payment to income and other variables to decide what rates/terms they will offer each person. ive seen people w/ great credit score not get financed and people w/ low credit scores get financed.

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Which would you rahter buy and why - the new 2007 VW Rabbit or a new 2007 Mini Cooper?

some get a combined from all three.

HELP Please, I NEED a free CARFAX report!?

it all varies, some dealers use certain ones.

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Is $3,000 too much to ask?

sometimes they average out the 3 credit bureaus, (i think they are esperian, equifax, and true credit). sometimes they will take the lowest of the 3 scores. also, if you are visiting a lot of car dealerships, checking your credit score a lot in a certain period of time will lower it as well. so just have your score on hand and tell them "this is my credit score, can you calculate the financing with this."

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