Equifax and TransUnion in Canada do not hold the same file
Equifax vs TransUnion in Canada: two bureaus, two files, two scores, and a lender that pulls one of them. Why a free app shows a different number.
Credit files and car financing
What is actually on a credit file, how vehicle lenders read it, and which parts of it change with time rather than with effort.
Reading is optional
The application is the part that has to happen either way. It goes to one dealer partner at a time, where a specialist reads the file — never a list.
Programs may vary by province. Approval is subject to lender review and application details.