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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
Take the FICO Fitness Challenge
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