There are three that I know, credit reporting agencies, Transunion, Equifax, and Esperian. Is there any one better than the others or which one does Ford use to check your history, and things like that? What score is needed to get one of those 0% loans and from which agency??

 

If I recall correctly Experian gives you the actual FICO score, the rest give an in-house developed score that is close but not the same. I know Experian, and I'm sure the rest, give you access to buy the other scores. I've always used Experian and when I've applied for loans the other agencies seem to be very close to the Experian score.

 

In general, you need to check all 3 as one may have bad info depending upon which lending institution reported to them. I have had bad addresses in one and not the others.