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Lenders that use Fico Auto Score 9?

New Contributor

Lenders that use Fico Auto Score 9?

Are there any lenders that are using the Auto Score 9? My Auto Score 9 is a 732 while my 8 is a 716, trying to get every point I can! 

6 REPLIES
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Contributor

Re: Lenders that use Fico Auto Score 9?

I don't know of any lender's using the 09 model yet, most lender's are stilling using 08...with that being said I highly doubt a 16 point difference between 08 and 09 with those scores will affect you much. Now if you could bump your scores over 740 you might see a reduction in rate, just depends on the lender and what type of scoring system they use to determine rates. I have personally seen 690's get better rates than 720's because banks like Wells Fargo or Ally use internal scoring systems to determine your rate which are based off of employment/residence time, LTV ratio's, DTI, PTI, and credit score.

AMEX BCE ($34,500) CITI AAdvantage ($17,000) Region's Platinum Card ($12,000) Discover IT ($13,000) Macy's ($7,400) Chase FU ($10,000) TU:768 EX: 767
Community Leader
Super Contributor

Re: Lenders that use Fico Auto Score 9?

Most of them will use FICO08 auto enhanced unfortunately... 

Valued Member

Re: Lenders that use Fico Auto Score 9?

Florida Central Credit Union uses Fico 9 Auto score. I just bought a new vehicle on July 5 and this was the score they pulled.

Mazda pulled Fico 5, and not even the auto version. I laughed at them when they tried to give me a 5.99% rate when I got the lowest that Florida Central offers, 2.25%.
New Visitor

Re: Lenders that use Fico Auto Score 9?

Can anyone tell me how I get my FICO 8 and/or 9 scores? Is there a different version of the report I ask for? Thanks.

Established Contributor

Re: Lenders that use Fico Auto Score 9?

U can buy a 3B Report from here for 29.95 it will have all your scores.

New Visitor

Re: Lenders that use Fico Auto Score 9?

Thanks