Member
Posts: 16
Registered: ‎07-28-2012
do credit unions pull auto enhanced scores?

or regular fico?

Valued Contributor
Posts: 2,691
Registered: ‎09-26-2011
Re: do credit unions pull auto enhanced scores?

I believe that mine uses a regular Fico.

Current Scores: EX: 615, TU08: 639, EQ: 607. 04/01/2015.

Zero percent financing is where the devil lives...
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
Re: do credit unions pull auto enhanced scores?

tcbofade wrote:

I believe that mine uses a regular Fico.


Same here in my experience, both CUs that I applied for auto financing pulled a Classic FICO score, not auto enhanced.   YMMV of course, you can always ask the loan officers/managers, they might be able to tell you.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Moderator Emeritus
Posts: 12,472
Registered: ‎12-30-2011
Re: do credit unions pull auto enhanced scores?

Depends on CU.  In general, the larger the CU, the more likely it'll be auto-enhanced.  Most AFAIK, probably aren't.

 

That said, if you get approved from a good CU, it really doesn't seem to matter anyway with the rates they're typically offering.

 

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Frequent Contributor
Posts: 372
Registered: ‎03-25-2011
Re: do credit unions pull auto enhanced scores?

A little credit union that I belong to pulls both regular AND auto-enhanced, Ive been talking to one fo their ladies for a month or so gathering info and have found out while they pull both versions they are Equifiax only... this is in Colorado

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 12,000 CL -Amex Zync NPSL -WellsFargoRewards3800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 3000CL /SSFCU 5000CL / CitiBank Plat Select 3000CL - CHASE Freedom 1300CL -Lowes 10,000 CL - BBuyStoreCard 5000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 6500CL - Chase Slate$400-BofA2500-ToyotaRewardsVisa$9500 -BofA$6500
Moderator Emeritus
Posts: 12,472
Registered: ‎12-30-2011
Re: do credit unions pull auto enhanced scores?
[ Edited ]

nuggets321 wrote:

A little credit union that I belong to pulls both regular AND auto-enhanced, Ive been talking to one fo their ladies for a month or so gathering info and have found out while they pull both versions they are Equifiax only... this is in Colorado


Yeah, I don't know why CU's wouldn't but anecdotally they seem to be all over the map on that.  I have to assume that a Classic pull costs the same as any industry option including an auto-enhanced; however, since a number of CU's are pretty technically unsophisticated it's possible that it's just sloppiness in their systems, or that they just don't care / feel it makes any substantial difference.

 

That said the big honking lenders with copious amounts of customer data all tend to pull auto-enhanced for a car loan.  Presumably they wouldn't do that unless they felt it was more accurate and therefore more profitable to do so.

 

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Member
Posts: 16
Registered: ‎07-28-2012
Re: do credit unions pull auto enhanced scores?

My auto credit is excellent.. my regular fico not so much.. 

Most people would assume that the credit union will give me a better rate.. but - would't agencies that used my auto enhanced score give me a better rate?  

 

I'm going to a CU and through the dealership financing to compare regardless..

New Contributor
Posts: 148
Registered: ‎07-04-2012
Re: do credit unions pull auto enhanced scores?

I would recommend calling them any ask what they do. Remember your normal credit info gets taken into account on your auto-enhanced score Smiley Wink

Super Contributor
Posts: 5,703
Registered: ‎10-06-2007
Re: do credit unions pull auto enhanced scores?

IMHO mine (RBFCU) pulled regular TU score.

11/28/2014 FICO: EQ: 796 EX:788 TU:803