Credit Card Center Advertiser Disclosure

Valued Member
Posts: 37
Registered: ‎03-12-2013
0 Kudos

Ex. 676, DCU wants 675 ??

In the market for an auto loan.  When my credit is pulled is it likely that my CS will drop immediately due to the inquiry?   My concern is that I'm on the fence with being  only 1 point above their minimum for their prime rate.

Any advice?

Valued Contributor
Posts: 1,057
Registered: ‎09-29-2009
0 Kudos

Re: Ex. 676, DCU wants 675 ??

If the inquiry is for an auto loan then it shouldn't immediately affect your score  Understand that wherever you are getting your EX score from (even here at My Fico) DCU is likely to pull a different version and it may be slightly higher or lower. In any event you can always talk to them after they pull your report and see what can be done to get you to the best rate. Often if things are close as far as score a financial institution can find "compensating factors" to sweeten an offer.


I have no personal experience with DCU so I don't know if they are sticklers with no leeway. But another member who does will certainly see this post and comment. DCU has a lot of fans in these forums.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL

Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.