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or regular fico?
I believe that mine uses a regular Fico.
@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.
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.
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
@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.
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..
I would recommend calling them any ask what they do. Remember your normal credit info gets taken into account on your auto-enhanced score
IMHO mine (RBFCU) pulled regular TU score.