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PPROVING BANK: DCU
BUREAU PULLED: EQ
CREDIT SCORE: MyFico EQ 643, TU Score from dealer 683, monthly EQ scrore from DCU 604
CUSTOMER STATE OF RESIDENCE: PA
NEW/USED: 2014
YEAR OF VEHICLE: Chrysler
MAKE: Town and Country
MODEL:
MILEAGE: 7000
RETAIL/LEASE:
AMOUNT OF LOAN: 26197.00 put 2K down
TERM CONTRACTED: 72
APR/LEASE RATE: 4.99
MONTHLY PAYMENT: 421
ANNUAL INCOME: 72500
DEBT TO INCOME RATIO: 19%
MISCELLANEOUS COMMENTARY: Trade in 2 loans to start trimming some debt and expenses. I traded my Kia Sorento that I was -4500 in the hole and had 16% APR from Chase, and my wifes 2014 Kia Soul that was financed with DCU @ 10%. At the dealer I was offered a BoA loan at 16%, and said no thanks
Congrats on the new loan. I just got denied by DCU.
I am also curious about the two scores comparison
@Anonymous wrote:
Did any of your score from myfico correspond with the 604 dcu pulled? I've read that the eq05 (listed as used for mortgages) just about directly correlates with the eq04 that dcu pulls. Just curious.
Yes, your EQ V5 score from here is an EQ04 score. Matched up perfectly with my DCU score.
Nice.. Congrats..
@Anonymous wrote:
Did any of your score from myfico correspond with the 604 dcu pulled? I've read that the eq05 (listed as used for mortgages) just about directly correlates with the eq04 that dcu pulls. Just curious.
My EQ05 was at 588 on 02/04/15, but my score has jumped since then, so who knows.
I recently joined DCU and also plan on applying for a loan once my score is >675. Could you guys clarify which version of the EQ FICO score DCU pulls? I'm a little confused. Is it the Fico Score 5 or Auto Score 5?