Best loan where they won't pull Equifax...

In the last 20-ish months, I have had 3 vehicles totalled!  Dec 2013:   95 BMW...PIF...driver slammed me & totalled car.**Jan 2014...loan thru NFCU...got a 97 BMWDec 2014...driving home from work...deer walked out in front of me....totalled (although both BMW's actually got me home! amazing cars)**Jan 2015...loan thru NFCU...got a 1 owner, 05 Audi A4 Quattro, 55k mi, loaded ...gorgeous!May 2015....after making only 2 payments, some dumba$$ ran the red light & totalled my car! I am not a violent person at 5'0 & 104 lbs, but I wanted to inflict some pain!!!**Late may...loan thru NFCU...dealer check good for 60 days. Now it's today.  I have still not found a replacement.  That check has expired & now they want to pull my credit AGAIN!This is killing me.  Right now, my Auto 08 scores are EQ - 694, TU - 734 & EX - 754 Navy Fed won't budge on that EX pull.  Any ideas who I can go through, knowing they won't pull EQ??

BungalowMo wrote:
In the last 20-ish months, I have had 3 vehicles totalled!  Dec 2013:   95 BMW...PIF...driver slammed me & totalled car.**Jan 2014...loan thru NFCU...got a 97 BMWDec 2014...driving home from work...deer walked out in front of me....totalled (although both BMW's actually got me home! amazing cars)**Jan 2015...loan thru NFCU...got a 1 owner, 05 Audi A4 Quattro, 55k mi, loaded ...gorgeous!May 2015....after making only 2 payments, some dumba$$ ran the red light & totalled my car! I am not a violent person at 5'0 & 104 lbs, but I wanted to inflict some pain!!!**Late may...loan thru NFCU...dealer check good for 60 days. Now it's today.  I have still not found a replacement.  That check has expired & now they want to pull my credit AGAIN!This is killing me.  Right now, my Auto 08 scores are EQ - 694, TU - 734 & EX - 754 Navy Fed won't budge on that EX pull.  Any ideas who I can go through, knowing they won't pull EQ??No advice on EX pull, except maybe its worth another pull to keep the loan with NFCU?  I agree its a shame to take a pull and not get a benefit from it because the check expired before finding another car, but I have heard that NFCU is great and I would like to be a member, but cant.  I am an Army Vet but didnt retire there so not eligible, but wish I could be.  Just a comment - you seem to be unlucky with cars being totalled lately.  However, you didnt mention any injuries, so those cars have been pretty good at protecting you in that way. Maybe you can take a different route to get where you need to go?  It almost seems like there is a transparent bulls eye on your hood.  Maybe check the next car with a black light before buying it, just to be sure?  j/k GL with the car hunt, and maybe get the Gap insurance?   

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