I'm looking to purchase a vehicle in the next few weeks and was wondering which version of FICO DCU uses?
I have done the CAP 1 preapproval and was approved up to $28,000 with an AP range of 4-12 %. The car that I put in the auto navigator gives me an interest rate of 7.18% for 72 months.
My CCT updates tomorrow and I will see all of my fico 8 scores. My scores for last month were Ex 639 Eq 656 Tu 664. Experian updates everyday and it is now 649.
I spoke with a rep yesterday from DCU and she didn't know which version they used and told me that a 660 Equifax would give me an apr of 4.49% for 72 months. I would like to apply but I just want to be sure that I would be approved for that rate before I pull the trigger.
My cu denied me for a cc back in April(618 fico 8) and I don't want to go through them again. I was quoted the same rate by them for a 660 credit score. He told me that they sp my credit in May and my score was a 597. My score hasn't been a 597 since my first month of rebuilding. I don't know which version of fico they use and no one in their offices know either.
I would like to go the cu route if I could get approved. Any and all suggestions welcome. TIA.
