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Posts: 1
Registered: ‎07-12-2014

Golden One Credit Union

Does anyone know if Golden One Credit Union uses FICO Scores when reviewing an application for a car loan?  Do they use the auto version or FICO Score 8?  I would like to know as my FICO Auto  8 is a little bit higher than my FICO  8 score and could result in a lower interest rate.  Thanks 

Frequent Contributor
Posts: 313
Registered: ‎09-15-2016

Re: Golden One Credit Union

I found this thread - looks like EX

FICO08 5/5/17 EQ-765, TU-770, EX-760
Gardening unit sometime in 2018
Valued Contributor
Posts: 1,387
Registered: ‎06-13-2016

Re: Golden One Credit Union

When I joined, the CSR in my branch told me they pull either EQ or EX for membership (although she ended up telling me the HP wasn't necessary, which was awesome), and they could use the same pull for a CC app if I wanted, but I'm not sure about who they pull for an auto loan. My suggestion is to talk to someone at your closest branch, as the rep I dealt with seemed very forthcoming, helpful, and knowledgeable. Smiley Happy

Current Scores------ EQ 686; TU 652; EX 687 FICO 08---------------- Gardening until 6/21/19
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

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