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do credit unions pull auto enhanced scores?

Member

do credit unions pull auto enhanced scores?

or regular fico?

8 REPLIES
Senior Contributor

Re: do credit unions pull auto enhanced scores?

I believe that mine uses a regular Fico.



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Super Contributor

Re: do credit unions pull auto enhanced scores?


tcbofade wrote:

I believe that mine uses a regular Fico.


Same here in my experience, both CUs that I applied for auto financing pulled a Classic FICO score, not auto enhanced.   YMMV of course, you can always ask the loan officers/managers, they might be able to tell you.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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Moderator

Re: do credit unions pull auto enhanced scores?

Depends on CU.  In general, the larger the CU, the more likely it'll be auto-enhanced.  Most AFAIK, probably aren't.

 

That said, if you get approved from a good CU, it really doesn't seem to matter anyway with the rates they're typically offering.

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Frequent Contributor

Re: do credit unions pull auto enhanced scores?

A little credit union that I belong to pulls both regular AND auto-enhanced, Ive been talking to one fo their ladies for a month or so gathering info and have found out while they pull both versions they are Equifiax only... this is in Colorado

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
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Moderator

Re: do credit unions pull auto enhanced scores?


nuggets321 wrote:

A little credit union that I belong to pulls both regular AND auto-enhanced, Ive been talking to one fo their ladies for a month or so gathering info and have found out while they pull both versions they are Equifiax only... this is in Colorado


Yeah, I don't know why CU's wouldn't but anecdotally they seem to be all over the map on that.  I have to assume that a Classic pull costs the same as any industry option including an auto-enhanced; however, since a number of CU's are pretty technically unsophisticated it's possible that it's just sloppiness in their systems, or that they just don't care / feel it makes any substantial difference.

 

That said the big honking lenders with copious amounts of customer data all tend to pull auto-enhanced for a car loan.  Presumably they wouldn't do that unless they felt it was more accurate and therefore more profitable to do so.

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Member

Re: do credit unions pull auto enhanced scores?

My auto credit is excellent.. my regular fico not so much.. 

Most people would assume that the credit union will give me a better rate.. but - would't agencies that used my auto enhanced score give me a better rate?  

 

I'm going to a CU and through the dealership financing to compare regardless..

Regular Contributor

Re: do credit unions pull auto enhanced scores?

I would recommend calling them any ask what they do. Remember your normal credit info gets taken into account on your auto-enhanced score Smiley Wink

Super Contributor

Re: do credit unions pull auto enhanced scores?

IMHO mine (RBFCU) pulled regular TU score.

10/17/2017 FICO: EQ 829 TU 830 EX 826