Credit Card Center Advertiser Disclosure

Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
0 Kudos


In October I was looking to buy a newer used car.  I needed to find an Experien dealer as that score was 714 VS the 660's of the other two.


I called the dealers i wanted to take my business to and found out that Subaru used EX.  That was exactly what I wanted and had the Forester of my dreams.  Subaru is financed by CHASE, who turned me down bc of the bankruptcy in 2005.  Another bank they had offered 12-15 percent. 


I had read all the info about Auto Enhanced FICO's from the stickie above, which armed me with tons of knowledge.  The finance manager knew I wasn't going to get scammed into some b.s. rate.  He let me take the car and then Monday morning called me, and told me he had convinced the local CU to use my EX score even though that CU pulls EQ.  I got a 5.24% rate, no down payment.


The last auto I bought I paid 24.9% until I got it refied after a year.  So going from 25 to 5 is pretty damn nifty.


Just CALL AROUND, make sure you read everyrthing about how dealerships work, and get 'r done!


Good Luck!!

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.