Sterling McCall Lexus help

[Anonymous]

Does anyone know which score this dealership pull?

[Student_Loans_Kill]

I love when stuff goes un answered. They pull all three take the best one

[LS2982]

OP, they will more than likely pull a auto enhanced FICO from one of the 3 bureaus, not sure which one.

[pizzadude]

They might try getting you approved thru Toyota Financial ( TFS ). Do a search in the auto loan approvals thread and you should be able to see what bureaus TFS usually pulls.

Also you could just ask their finance mgr as well. Depending on how many banks or CUs they use, and if they shotgun your credit out to several then you will likely end up with multiple inquiries on at least 2 CRAs.

[Student_Loans_Kill]

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@LS2982 wrote:
OP, they will more than likely pull a auto enhanced FICO from one of the 3 bureaus, not sure which one.

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Well documented this is not true... Toyota/Lexus and Mercedes do not pull the FICO enhanced, but pull all 3 FICO reports.

BMW,GMC, Nissan, Ford pull Fico enhanced

[StartingOver10]

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@Student_Loans_Kill wrote:

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@LS2982 wrote:
OP, they will more than likely pull a auto enhanced FICO from one of the 3 bureaus, not sure which one.

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Well documented this is not true... Toyota/Lexus and Mercedes do not pull the FICO enhanced, but pull all 3 FICO reports.

BMW,GMC, Nissan, Ford pull Fico enhanced

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Just curious, how do you know?

[Student_Loans_Kill]

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@StartingOver10 wrote:

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@Student_Loans_Kill wrote:

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@LS2982 wrote:
OP, they will more than likely pull a auto enhanced FICO from one of the 3 bureaus, not sure which one.

---

Well documented this is not true... Toyota/Lexus and Mercedes do not pull the FICO enhanced, but pull all 3 FICO reports.

BMW,GMC, Nissan, Ford pull Fico enhanced

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Just curious, how do you know?

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Google?   Nissan, NMAC, uses auto enhanced scores, not sure if FICO or not, the GM did not know but said it is NMAC's auto scoring system, He also said the fico score I am purchasing is probably not the same score that NMAC would produce.  They also strictly pull only TU.   I called the Lexus dealership (2 different dealerships, same answer)- TMCC _Toyota Motor Credit is the finance company behind lexus. They will pull all three scores and take the best one. The tiers are similiar to Mercedes financing, in that they have Tier 1, 720 and above, Tier 2, etc. The guy I talked to did not know the score levels to be exact.  They do not use auto enhanced scores.   Mercedes is similiar financing to Lexus - they will pull all three bureaus, take the highest score,  and do not use auto enhanced scores and they also have I think it's five Tiers for financing...Tier 1 is 720 and above. Daisy duke

[teenastie]

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@Student_Loans_Kill wrote:

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@StartingOver10 wrote:

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@Student_Loans_Kill wrote:

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@LS2982 wrote:
OP, they will more than likely pull a auto enhanced FICO from one of the 3 bureaus, not sure which one.

---

Well documented this is not true... Toyota/Lexus and Mercedes do not pull the FICO enhanced, but pull all 3 FICO reports.

BMW,GMC, Nissan, Ford pull Fico enhanced

---

Just curious, how do you know?

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Google?   Nissan, NMAC, uses auto enhanced scores, not sure if FICO or not, the GM did not know but said it is NMAC's auto scoring system, He also said the fico score I am purchasing is probably not the same score that NMAC would produce.  They also strictly pull only TU.   I called the Lexus dealership (2 different dealerships, same answer)- TMCC _Toyota Motor Credit is the finance company behind lexus. They will pull all three scores and take the best one. The tiers are similiar to Mercedes financing, in that they have Tier 1, 720 and above, Tier 2, etc. The guy I talked to did not know the score levels to be exact.  They do not use auto enhanced scores.   Mercedes is similiar financing to Lexus - they will pull all three bureaus, take the highest score,  and do not use auto enhanced scores and they also have I think it's five Tiers for financing...Tier 1 is 720 and above. Daisy duke

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I wonder if this is specific to your region? As when I went to a Toyota Dealer in 2010 they only pulled EQ... I guess I got lucky 

[HoldingOntoHope]

Perhaps the EQ score was enough to already qualify for Tier 1? I would guess that the reason to pull more than one report to qualify is to find the best score. If the first one qualifies for best financing why go further.