@Anonymous wrote:
@creditstalker wrote:So, I had the credit union pull my credit, and they used my Equifax Mortgage Score!!!! I decided not to go with the credit union because my Equifax Mortage Score is a 594.
I found a credit union who only pulls experian, because my EX scores are in the mid 600's (FICO 08 is 614 and my mortage score is 642 and autoloan score is 674.)
I just went through this with my local CU. I wish I'd been more proactive and asked to be passed up the line BEFORE applying. They made it sound totally secretive which EX they pull. I think they were really just clueless on the front line. AFTER we went with DCU (no idea which EQ they pulled) I had a few different questions for a loan 'higher up' at my local CU and she still wouldn't come out and say it, but when I said it appeared they used my mortgage EX, she didn't say no. I'd assumed that since they use the same pull for cars, CC's, personal loans, it'd be a Fico 8. I assumed wrong. I was very clear with her that their policies (and a couple other screw ups) cost them an auto loan to a CU across the country with the same rate they SHOULD have offered us before we bought the car and did offer us after we'd already gone with DCU.
She made it sound like if they chose to get different scores for different purposes it would cost more so they just get the mortgage scores. But again, very careful wording.
DCU uses Beacon 5.0 every time all the time.
Depends on the CU but most CU's underwrite everything on a single model with the exception of mortgages... and a non-trivial number of CU's use one of the mortgage trifecta in my experience too. FICO 8 is mostly in the major CC issuers and auto lenders these days as I understand it.
