What bureau does BMW FS pull?

[emptypockets]

I am looking at buying a 328 CPO, (want a new car and trying to take advantage of BMW FS promo to make first 2 payments if financed through them). Does anyone know what credit bureau they pull, and approx what scores have been approved?

[Hammer23]

Depends on the area you live in. In my area they pull EFX. Most dealerships have a good working relationship with BMW and can ask them to pull alternate cbrs.

[liyfe1]

im curios about this as well...whats scores for leasing....and what bureau...i live in ny!

[ibmrad7]

I financed through them last year. For me they pulled EX with a score of 698 or something (Dont remember the exact figure), I got their special financing promo deal with that score. Hope it helps.

[longhorn11]

They use the auto enhanced score and they have the ability to pull from all 3.  They usually pull from experian, like a poster said above.  For financing it's an all or nothing deal to a certain level (tier I-III) to get the best programs.  After a certain level (650 or below I believe, rates start getting adjusted).  As long as your auto credit is in decent shape you should be fine, they also pay heavy attention to your DTI.  

[emptypockets]

Thanks. My most recent EX is 733 ( from AMEX pull 1/31). Clean report except BK from 2002 (due to drop off in July). Have had 2 car loans since then, with Chase and Alliant, so HopefullybI will be ok.

[ibmrad7]

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@emptypockets wrote:
Thanks. My most recent EX is 733 ( from AMEX pull 1/31). Clean report except BK from 2002 (due to drop off in July). Have had 2 car loans since then, with Chase and Alliant, so HopefullybI will be ok.

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You are going to get it :-)

Do they have any promos going on right now?

[longhorn11]

Yeah you should be good to go with your score and auto history.  

Also for the poster that was asking about lease rates, unlike financing, lease rates/money factor is based strictly off your credit score.  I would ask your dealer or search on the bmw forums for more info on a specific rate/score.  They start off at tier I and go up from there.  Sorry for not having more specific info, but I'm not too familiar with the leasing process.

[emptypockets]

@ibmrad7 - BMW FS has a promo through 2/29 on CPO's with interest rates from 0.9 -3.9% (depending on months financed), where they will pay your first two payments (up to 500 per month).

[ibmrad7]

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@emptypockets wrote:
@ibmrad7 - BMW FS has a promo through 2/29 on CPO's with interest rates from 0.9 -3.9% (depending on months financed), where they will pay your first two payments (up to 500 per month).

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Thats what I got. 2.9% for 66 months.