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!
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.