Tractor Supply is a major retailer that offers a wide variety of products for home improvement, agriculture, lawn and garden maintenance, and more. One of the things that sets Tractor Supply apart from other retailers is that they offer financing for many of their products. When you finance through Tractor Supply, they will pull your credit report from one of the three major credit reporting agencies: Experian, Equifax, or TransUnion.
If you have good credit, you will likely get approved for financing and will receive favorable terms. However, if you have bad credit, you may still be approved for financing but will likely have to pay a higher interest rate. Either way, it is important to know which credit bureau Tractor Supply uses so you can check your report beforehand and be prepared.
So, which credit bureau does Tractor Supply pull from? The answer is all three!
Tractor Supply uses a tri-merge credit report, which means they will pull your report from all three major credit bureaus. This is good news if you have bad credit because it means Tractor Supply will consider all of your positive history, not just the negative items on one report.
However, if you have excellent credit, this could mean that Tractor Supply will also see any negative items on your report, which could hurt your chances of getting approved for financing or receiving favorable terms. Either way, it is always a good idea to check your credit report before applying for any type of financing. That way, you can be sure that the information being used to make a decision about your loan is accurate and up-to-date.