Rivian Financing - Which credit bureau do they check?

[Polar]

Hey all - finalizing our steps and taking care of financing now.

My wife and I are just going to use Rivian‘s internal financing. Due to previous credit fraud we both keep our credit frozen at all three credit bureaus. Does anyone know which credit bureau Rivian does the credit check on when they investigate your credit?

We don’t want to just unfreeze all of them for both of us - if we only need to do one of them each.

Thanks in advance.

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[Destreyf]

For me they used JP Morgan Chase (JPMCB AUTO on my report) and pulled my Experian credit score.

Similarly when I went through USSFCU (ML/UNITED STATES SENAT on my report), which I highly recommend for their great rates, they also pulled Experian.

Here were the rates for reference for both :

Rivian: 84 months, 7.78%
USSFCU: 84 months, 5.49%

USSFCU has their rates listed here https://www.ussfcu.org/resources/rates.html#new-auto-loans you have to become a member, but you can do that for free if you use the code USSFCU when signing up for a membership with The American Consumer Council, you can.

 

[Cavalryscout18]

They use JP Morgan. They don’t run multiple institutions.

 

[AYAYRON]

I get the desire to not unfreeze all, but it genuinely takes 30 seconds for each to unfreeze and you can set an automatic refreeze date so you won’t have to remember to refreeze it

 

[Polar]

*update*

They hit TransUnion on Friday for my wife and I - anyway all accounts are frozen again.
Pickup on Thursday!!

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