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We're thinking of buying a new car and that will likely come with a car loan. Anticipating this, she's tried to unfreeze her credit. TransUnion and Experian were happy to oblige. Equifax was not. Is this going to be a problem?

You need to ask the lender that you plan on using if they need to pull your credit report from Equifax for a car loan. For a mortgage it would be a problem, as mortgage lenders generally require acceptable credit reports from all 3 bureaus for both applicants on joint loans. Car loans sometimes want all 3 bureaus, or sometimes use one particular bureau.

If your preferred lender will need her Equifax credit bureau, you have some options. If you can document enough income to qualify for the car loan on your own, you could apply for it on your individual credit. Or you could find another lender.

AJ
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