I am not sure what they do for online apps, but I am pretty sure they will at some point pull all three and look at your average score, or something like that. They do deal with sub prime but htey are very picky about who they buy so i would reccommend going with a company like WFS or even trida, or citi financial. these companies use exp almost always i know for a fact that citi financial will look at your experian. and if you go to a citi financial location and you have a little bit of bad credit thats "not yours" or you can give a good explaniation why its there the can or sometimes will not count the negative against you. they have a really neat credit reporting system. anyway i hope this helps.
I am not real familiar with any of these (WFS?, trida -- is that triad/roadloans? or citi financial). Do WFS and citi offer financing on non-dealer purchases (preapproved like the cap. one cheques?). What about triad/roadloans? Are there any problems with these guys. I seem to remember that folks did not like roadloans for some reason.
You can check out these companies online if you want. I have not had a loan with any of them, but I have had approvals from them. They seem pretty good just as long as you pay your bills on time you shouldnt have any problems.
