Reply
Regular Contributor
TwinGirls19
Posts: 238
Registered: ‎01-29-2012
0

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

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

Frequent Contributor
bbb3601
Posts: 328
Registered: ‎01-26-2012
0

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?

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Moderator
Revelate
Posts: 9,735
Registered: ‎12-30-2011
0

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 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Regular Contributor
TATATA
Posts: 154
Registered: ‎02-24-2010
0

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.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}