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Anyone have an ideas which model..

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Anonymous
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Anyone have an ideas which model..

I applied for refinance my car loan my interested rate was 23.99 and I was approved by my local CU for rate of 3.9  I asked them what is my score and I was told it was 714 FICO score pulling from Experian.  Now I have updated and re-fresh my FICO score here and Experian score are 630. 

 

Question is does anyone know what model does my local bank use? I ask the rep she doesnt know what's the model they are using, but it said FICO score on it and pulling from Experian.

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CreditDunce
Valued Contributor

Re: Anyone have an ideas which model..

Without a bank/CU name, no one is going to be able to answer the question.  Just a guess is they are using EX Auto Enhanced model.  No idea on FICO 04/08/other.  CU's often use older FICO models, but ymmv.

 

The industry specific FICO scores typically have a score range of 250-900.

 

EDIT:

If they gave you a score range, you might be able to narrow it down with:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-version...

However, often the score ranges given are not 100% accurate.

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Anonymous
Not applicable

Re: Anyone have an ideas which model..

the local CU is RTN credit union. its a very small but they offer very good interest rate.

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