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what credit reporting agency do most lenders use for car loans

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Different lenders will use different bureaus. Some google searching may give you an idea, keep in mind that sometimes the credit bureau used depends on your location in the United States. I will tell you this, most auto lenders will use a version of FICO scores (not the scores you get here) and often the version will be an auto version, but keep in mind that there are several different auto versions as well. The website myfico sells packages with several different version of FICO scores from all three credit bureaus, you may consider checking that out.

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They don't make that information known.

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