Do dealerships have their own credit bureau where they look up whether there's a repo on your report? The finance company that I got my loan from pulled TU in which my repo only showed up as a slow pay. I don't have it in Experian, just Equifax. When I went back to the dealer to finalize the sale, the salesperson mentioned something like "the bank didn't see your repo but I was able to pull it up on my report, etc.." and tried to sell me some erroneous warranty blah blah blah.. ?