I went to a Ford Dealer, a Toyota Dealer, A Dodge Dealer and a Nissan Dealer and they ALL puuled Equifax!!! I could not believe it! After all of the research on here as to whom pulls what just does not seem to matter here in Central Florida! My Eq. Auto Fico is AS BAD AS IT GETS at 525, which is 115 points lower than my Experian Auto score but they simply did not care! Let me tell you after the last two days of humilation I'm done for two years! My wifes truck will just have to make do because I'm NOT going through that again! So much for research! 
******So I went on a mission POST loan! I expanded my search with a sense of urgency because a 15.9% Interest rate has that effect on you! 
I refroze my flawed EQ and set out to apply at several Central Florida Credit Unions. Even though I had applied at some Pre Car Shopping, they all were EQ so no go. Well this morning I applied to Martin Federal Credit Union in Orlando and to my JOY, I get a hit on my EX! 
My Auto Fico there is 640's. So shortly there after I get a call and they ask me a few questions and then BAM, I'm approved for a refinance at 7%!!!!!! 
I do have to wait until the loan is processed by the current lender before they can refinance, but I think I can handle that!
Why is your EQ so much lower? What baddies?
@TRC_WA wrote:Why is your EQ so much lower? What baddies?
It is really hard for me to say, why so much worse. None of my reports have a bad mark for the past 2 1/2 years but I have been toast with Eq for as long as I can remenber! I just simply do not know. I'm not even kidding this time, I'm in the garden for two years, I need all the inquires gone and I need to let the last remaining baddies go away which will happen in 2016.
@ah32 wrote:Interesting! I'm about to buy a car too and my equifax is about 100 points lower! Plus, my only car loan isn't reporting to Equifax. I'm doing my best to find the right person at Citifinancial to talk to, but they sold all their car loans to Santander. Santander doesn't have my info. Awesome.
I called Toyota in my city and they said they pull Transunion, which happens to be my highest score. I hope they follow through with what they say they pull or they're wasting my time and inquiries. Did you ask them before you had them pull your credit? I'm going to instruct them that they are NOT AUTHORIZED to pull Equifax.
Yes I did ask them to not do Equifax, in fact I had them froze, but each and everyone of them said every bank they use requires EQ! I don't know if that is for whatever reason a Florida thing, but I tried and called MANY and they all said the very same thing!
I ended up getting me (my wife) a 2015 Nissan Titan, however you can imagine with a 525 what my interest rate is (don't want to talk about it) but I will refinance with SOMEONE, ANYONE that will look at TU or EX!!
@App_Addict wrote:I ended up getting me (my wife) a 2015 Nissan Titan, however you can imagine with a 525 what my interest rate is (don't want to talk about it) but I will refinance with SOMEONE, ANYONE that will look at TU or EX!!
Ouch, I don't even want to see a 20+ number .. Get that refi'ed ASAP or as you know majority is going to interest vs. principle...
@CreditCuriousity wrote:
@App_Addict wrote:I ended up getting me (my wife) a 2015 Nissan Titan, however you can imagine with a 525 what my interest rate is (don't want to talk about it) but I will refinance with SOMEONE, ANYONE that will look at TU or EX!!
Ouch, I don't even want to see a 20+ number
Within 6 months I will. I just have to do whatever I need to do to get my EQ up where my my other two and I will be home free!
