03-20-2013 12:43 AM
Getting the best rate is probably going to depend on more than your score. The lender will also consider your income, the amount you are borrowing, and the overall terms of the loan.
A general rule of thumb is that most lenders will give you the best credit terms if you have a score over 720, but some lenders may have stricter requirements. They may also not pull the exact score you can access here, because there are many "flavors" of FICO available to lenders. If you are around 720, or even better up to 750, I would expect that your score would have no negative impact on your rate, and it would come down to other factors if they gave you the lowest rate available.
04-16-2013 08:46 AM
I'm happy to report that I got the best available rate of 4%, 3.5% after .25% relationship discount and .25% discount for autopay.
My TU score was 757.
04-16-2013 06:17 PM
Wow, that's great. I need to do the same thing next year. Do you know what credit bureau Wells Fargo pulled?