drmike0422 wrote:...The system immediately put me at tier 2. The dealer wouldn't tell me my credit score but I think it is about 723...
Hmm, according to several threads with most auto lenders 720+ means tier 1, though I've read a few lenders now have a "tier 0" for 730+ scores. However, these are based on the "Auto-Enhanced" FICO scores which cannot be obtained directly by consumers (the scores we get on myfico are the flavor of FICO that mortgage lenders typically use). Some auto dealers will tell people their auto-enhanced scores, and posters here say usually they are quite close to what they pulled from myfico unless they have an auto-specific baddie, but if you've had a visit from the repo man I doubt you'd have a 723 score!
In any case, the scores I pull here fluctuate a little bit as for instance balances go up or down, so even with scores from the same source it's entirely possible to pull a 723 one day and a 719 the next. Also, when I pull mine from all three my Experian is usually over 800 while the other two are usually between 780 and 800, so it also depends which CRA the lender pulls. I recently paid off a Chase Auto Finance loan, and I've had a Chase credit card for years, and in my case they regularly do account review soft pulls on my Experian. On my Equifax Chase does "Promotional" pulls, which are a cheaper because they don't get detailed histories, they just say something like, "give us a list of people in the following zipcodes with Fico scores of at least XXX" and get back a mailing list. I've never seen Chase pull my TU.
TU 791 02/11/2013, EQ 800 1/29/2011 , EX Plus FAKO 812, EX Vantage Score 955 3/19/2010 wife's EQ 9/23/2009 803
EX always was my highest when we could pull all three
Always remember: big print giveth, small print taketh away
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