02/25/2024
Here is the secret lenders list with whom lenders pull from and the minimum score you need to qualify. Be confident when applying for new credit and never fear being denied again.
*Amex – Experian
*Bank of America - Equifax
*Barclaycard Apple Rewards – Experian (720+ $3,500)
*BMW Financial Services – Experian
*BMW Financial Services – Experian (695+ $50,000 Lease)
*Capital One Auto Finance – Experian – Equifax
*Capital One Auto Finance – Experian (650+ $30,000 with Proof of Income)
*Capital One Bank Credit Cards – Equifax – Transunion
*Capital One Venture – Experian – Transunion (650+ $5,000)
*Capital One Quick Silver 1 – Experian (600+ $500)
*Capital One Venture – Experian (680+ $20,000 with 2 AU’s over $10,000 each)
*Car Smart – Transunion
*Carmax – Experian – Equifax – Transunion
*CBNA Credit Cards – Experian – Equifax
*Centric Credit Union Visa – Experian (530+ $500)
*Chase Bank – Experian & Equifax
*Chase – Experian (750+ $10,000)
*Chase Amazon Rewards – Experian (750+ $7,000)
*Chase Freedom – Experian (750+ $7,000)
*Chase Ink Bold – Experian (720+ $15,000)
*Chase Sapphire Preferred – Experian (720+ $18,000) Chase Southwest Plus – Experian (750+ $3,500)
*Chase Amazon Rewards – Experian (750+ $7,000)
*Chase Freedom – Experian (750+ $7,000)
*Chase Ink Bold – Experian (720+ $15,000)
*Chase Sapphire Preferred – Experian (720+ $18,000) Chase Southwest Plus – Experian (750+ $3,500)
*Chase United Explorer – Experian (720+ $19,500)
*Citibank Best Buy - Equifax
*Citi American Airlines Platinum – Experian (720+ $6,500)
*Citi Double Cash / Citi Thank You Premier – Experian (720+ $6,800)
*Citizen’s Bank (location specific) Equifax
*Community First Credit Union – Equifax (region specific)
*Community – Transunion or Equifax
*Credit Union of Texas – Equifax
*Credco Auto Reseller – Experian – Transunion
*Chrysler Credit – Transunion – Does Not Re Report to D&B Dell Computers *Preferred Account – Experian (690+ $1,500) Delta Skymiles Gold Amex – Experian (660+ $5,000)
*Digital Credit Union DCU Personal Loan – Experian (700+ $26,000)
*Digital Credit Union DCU Auto Loan – Experian (700+ $25,000 with Proof of Income)
*Direct TV - Equifax
*Discover Card – Equifax – Transunion *Discover It – Experian (620+ $1,500 - $5,500)
*Drive Finance Auto Financing – Experian – Transunion
*Elan Financial - Equifax
*Fifth Third Bank – Transunion
*FIA Amex Fidelity American Express – Experian (740+ $9,000)
*Fidelity Amex Investment Rewards – Experian (720+ $12,500)
*Fidelity Investment Rewards Visa *Signature Card – Experian (750+ $7,500) *FirstBank Credit (FNBO) SavingStar *Amex – Experian (650+ $1,000) FNBO/*NRA – Experian (740+ $8,500)
*First Choice Bank – Primer Visa – Experian – Equifax – Transunion First Data *Merchant Services – Credit Card *Merchant Account Processor Greater Texas FCU – Experian (620+ $27,000)
*Hertz Corporation – Equifax Home
*Depot – Experian (650+) HSBC –
Transunion
*Jared/Sterling – Experian (600+ $1,500)
*JCB Marukai Premium California – Experian (750+ $5,000 with Proof of Income)
*JCrew (Comenity) – Experian (600+ $750)
*JP Morgan Chase Business – Transunion – *Chexsystems JP Morgan Chase Bank – Equifax Kohls – Experian (560 $300)
*Lexus Financial Services – Experian (690+ $90,000 with Lease)
*Mercedes Auto – Transunion + Experian + Equifax
*Macys – Experian (700+ $1,000)
*NASA FCU Platinum Rewards – Experian
*NASA Visa Platinum Cash Rewards – Experian (735+ $20,000)
*Navy Federal Credit Union – Equifax – Transunion
*NFCU GoRewards Visa – Experian (660+ $1,000)
