GM Financial - Score Version/Spouse Income

[BSBRose21]

Do you know which Fico Auto Enchanced Score GM Financial is using? We are looking at a lease.

Also - my credit score is quite a bit higher than my husband's. Do they use the higher or lower score and both incomes?  

[JGGM]

I don't know if it's the same at every dealership, but I know we submit EQ Auto 5 scores to GMF. 

[Anonymous]

The score that GM financial will pull will depend on your location/region..it varies state to state. The Dealer will submit you to GM Financial and GM Financial will pull the bureau they use in your region.

Every lender is different and I have no experience with GM Financial..some lender's have their own internal scoring system that determines your rate based on multiple things such as score, income, DTI/PTI, LTV, miles, year, etc.... Some lender's are strictly based off of FICO Scores to determine rates... (ie a 740+ score qualifies for A tier financing at x.xx% interest)

What are your current Fico scores, as well as your spouses?