| It is important to know what your credit score is | | | | of current address, addresses and Zip codes for |
| before you apply for an auto loan. | | | | places you have lived in the past 5 years, date of birth |
| Finding out your current score ahead of time will help | | | | and social security number. |
| you determine what lenders may open a new line of | | | | If you are ever denied credit for any reason, you can |
| credit for you and what rates you may qualify for. | | | | get a free copy of your credit report from the national |
| To obtain your official credit score you will want to | | | | credit bureaus. Otherwise, the cost to obtain a copy of |
| obtain a copy of your credit report from each of the | | | | your credit report is usually around $9 but may be |
| three national credit bureaus - Equifax, Experian and | | | | cheaper in some states. You will need to request your |
| TransUnion. Although Equifax is the most widely | | | | credit score separately. Experian charges an additional |
| accessed credit bureau, lenders may get their reports | | | | fee for a request, with a combined $14.95 charge for |
| from one of the other two bureaus. An error on any | | | | both. |
| one of these reports could lower your score and result | | | | Once you obtain your credit score you will know how |
| in you being denied credit. | | | | easily you can get an auto loan with good rates and |
| Listed below is the contact information for each of the | | | | terms. The closer your score is to 750-850, the better |
| national credit bureaus: | | | | off you'll be. If you score is in the 600 range or below |
| Equifax | | | | you will want to find out from lenders what the range |
| Equifax Credit Information Services, Inc. | | | | of credit scores they will accept before applying for |
| P.O. Box 740241 | | | | any loans. |
| Atlanta, GA 30374 | | | | Finding out what range of lenders will accept may also |
| Experian | | | | help prevent your credit score from being reduced |
| National Consumer Assistance Center | | | | further. Every time a lender checks your credit score, |
| P.O. Box 2002 | | | | the credit bureaus make a record of the inquiry. Too |
| Allen, TX 75013 | | | | many inquiries can be seen as a sign of financial |
| TransUnion LLC | | | | instability and your score could be lowered as a result. |
| Consumer Disclosure Center | | | | The time you take to find out your credit score on |
| P.O. Box 1000 | | | | your own, will save you time and hassle later on as |
| Chester, PA 19022 | | | | you begin searching for an auto loan that is right for |
| To protect your privacy and verify your identity, each | | | | you. |
| bureau requires that you provide your full name, proof | | | | |