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Regular Contributor
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Registered: ‎01-29-2012
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Re: My Toyota chances?

nicee!!!!!! and thanks everybody, Im proud of myself have really come a long way since joining this forum

CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

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Re: My Toyota chances?

Be that as it may, I was told in my region TU is the only report pulled.  That was from their CS dept, an UW,  and 4 dealers.  Maybe something changed after you left?

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Registered: ‎12-30-2011
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Re: My Toyota chances?


bbb3601 wrote:

Be that as it may, I was told in my region TU is the only report pulled.  That was from their CS dept, an UW,  and 4 dealers.  Maybe something changed after you left?


This was recent, and I can assure you we had connections to all three bureaus and those routers had been up for a good long while :smileyhappy:

 

TFS like every other major lender tends to pull regionally; however, they don't have to.  If for example I moved to wherever you were, for the next few years there's still a good chance they'd pull EX for me... but that's because I've lived in Cali for the last 8 years and there's a reasonable assumption on the part of lenders that EX will have better data on me than either EQ or TU.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Regular Contributor
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Registered: ‎02-24-2010
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Re: My Toyota chances?

FYI - 

 

 I was shopping for a Toyota last weekend to take advantage of their 0% APR. I was told that Toyota will first pull EXP and if the auto enhance FICO is higher than 610, they can use either TU or EQ , if your EXP is not high enough to qualify for the 0%. I'm in Southern California. 

Total CL's combine: $150,600.
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