Reply
Regular Contributor
Posts: 163
Registered: ‎01-29-2010
0

Is it true that American Honda Financial Corporation pulls only the TU score?

I keep seeing on their websites 710 TU or better for the best lease rates...not that I intend to lease and I heard elsewhere that Honda usually pulls TU.

 

If so, that's great because it's my highest score but can anyone verify that?

 

Additionally, do you think if I asked the finance guy to confirm, that he could tell me what credit bureau they will pull or would they look at me crazy? Thanks!

 

My EQ is 673 :smileysad: but my transunion is 725 and who knows what Experian is...Thanks!

Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
0

Re: Is it true that American Honda Financial Corporation pulls only the TU score?

when we bought our car, they told us what bureaus they checked & what the scores were, & if they were auto-enhanced.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Established Contributor
Posts: 951
Registered: ‎05-27-2009
0

Re: Is it true that American Honda Financial Corporation pulls only the TU score?

My car is leased through AHFC - yes Honda almost always pulls TU (and auto-enhanced), the dealer pulled TU (auto enhanced) as well for me . My auto enhanced score at the time was 712, 720 was the minimum at the time for top-tier financing.

 

Hope that helps - and yes, they will tell you who they pull usually.


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


Take the FICO Fitness Challenge
Established Contributor
Posts: 631
Registered: ‎07-29-2010
0

Re: Is it true that American Honda Financial Corporation pulls only the TU score?

I got a loan through American Honda in 2008, they pulled EQ for me

Discover IT $25K | FNBO Visa $22K | Citi Forward $14.5K | US Bank Cash+ Visa Sig $15K | Priceline/Barclays $10K | Chase Freedom $10.5K | Amazon/Chase Visa Sig $8.3k | Citi Double Cash $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
Regular Contributor
Posts: 163
Registered: ‎01-29-2010
0

Re: Is it true that American Honda Financial Corporation pulls only the TU score?

They pulled EQ on me too. They said they are phasing out the use of Transunion nationally and converting to EQ

New Contributor
Posts: 67
Registered: ‎06-05-2009
0

Re: Is it true that American Honda Financial Corporation pulls only the TU score?

Got financed through Acura Financial Services very recently and they pulled only TU , here in NJ.

 

Established Member
Posts: 13
Registered: ‎05-14-2007
0

Re: Is it true that American Honda Financial Corporation pulls only the TU score?

On Friday (3/18) I bought a 2011 Honda Civic EX-L and financed through American Honda. They pulled Equifax. The finance manager told me that Equifax is the primry report that Honda is pulling now, however they will pull Transunion in some cases for verification or if you have a thin credit report with Equifax. I know they didn't pull my Transunion report at all because I have it frozen.

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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.