@Gunnar419 wrote:ABCD and Revelate -- Until now I haven't thought about the Alliant loan, partly because although I cherish a high score I don't like the idea of playing FICO games for the sake of FICO games. Also, I haven't been planning to app for anything. Now that I may have an auto loan in my future, you remind me that the Alliant program might be both a good trial run and a good thing to have on my records to boost my auto FICOs. (I don't know what my auto FICOs are, but I'm sure they must be lower than my FICO8s.)
Thank you. Thank you, also, to whoever discovered the Alliant trick.
Had to look at my old original data, but I did get a boost everywhere except for FICO 04 models for it including AU and Bankcard in addition to baseline FICO 8 and FICO 98, and I didn't have an open auto loan at the time as those were paid... though I do now have some verbiage on my reason codes for no recently reported auto loan for FICO 8 AU, but what can you do.
If you have some time before the auto loan I'd do it personally as it's absurdly cheap and easy to do, but your scores are high enough it probably won't make a huge difference to getting the auto loan financed with their best offer; I'm one who always chases score maximization though that might change once I am above 800 anyway.
The initial breakpoint demonstrating it does factor on the AU industry option scores and if a dealer pulls auto enhanced, it's probably FICO 8 (even if I never did figure out where that was explicitly) is shown in the first post in this awkwardly long thread if you are looking for confirmation datapoints:
If you are going with a CU for financing, may not matter at all vis a vis DCU uses EQ Beacon 5.0 which the SSL doesn't help at all except mix of credit, but since I build files to be pretty regardless of what algorithm is chosen, for those without installment loans, SSL trick FTW.
