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Credit bureau used for Tesla financing

idco

Member
Jul 25, 2021
10
1
Seattle, WA
Does anyone know what credit bureau is used to check credit for Tesla financing? I have set credit freeze to prevent fraud and want to unlock it when applying for financing.
 

Sandmaster

Member
Aug 7, 2021
86
48
Minneapolis
Can concur. Sometimes only one is needed. It really depends on who gets your app and accepts/does the pull first. I got a hard pull on 2 of the 3. I think it is cause they send one app at a time or something and go down the list. Or, just all of the banks only pulled from the same 2. I have no way of knowing. But, I find it interesting hard pulls do not show up for all of the banks, so I wonder if they go down the list and stop when someone approves you.
 

idco

Member
Jul 25, 2021
10
1
Seattle, WA
just FYI, they work with multiple lenders and you don't have the option of selecting a specific lender on the Tesla application, so you don't know which specific bureau the lender selected for you will use. I temporarily unfroze all three credit bureaus for a few days just prior to applying for credit and everything worked fine. I ended up with JPMC. I really like the direct sales model Tesla has. I always dreaded working with the financing department of every single dealership I worked with in the past, such an easy and transparent process with Tesla, no games, no slimy finance people to deal with.
 

Jeremy3292

Gas Is Slow
Jul 7, 2021
677
628
South Carolina
I can tell you nobody pulls Trans Union for anything unless you’re getting a mortgage lol. I originally got US Bank through Tesla and they pulled Equifax. I asked them to switch to Chase for me and they pulled Equifax only also. I also got an approval from Bank of America so I colid get a rate match through Tesla and they pulled Experian.
 
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