Regular Contributor
TwinGirls19
Posts: 236
Registered: ‎01-29-2012
Re: My Toyota chances?

‎09-20-2012 06:00 AM

nicee!!!!!! and thanks everybody, Im proud of myself have really come a long way since joining this forum

CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

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Frequent Contributor
bbb3601
Posts: 322
Registered: ‎01-26-2012
Re: My Toyota chances?

‎09-20-2012 11:57 AM

Be that as it may, I was told in my region TU is the only report pulled.  That was from their CS dept, an UW,  and 4 dealers.  Maybe something changed after you left?

NFCU Cash Rewards 16,500,NFCU Plat 17,000, NavCheck 10,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




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Moderator
Moderator
Revelate
Posts: 4,309
Registered: ‎12-30-2011
Re: My Toyota chances?

‎09-20-2012 05:06 PM

bbb3601 wrote:

Be that as it may, I was told in my region TU is the only report pulled.  That was from their CS dept, an UW,  and 4 dealers.  Maybe something changed after you left?

This was recent, and I can assure you we had connections to all three bureaus and those routers had been up for a good long while :smileyhappy:

 

TFS like every other major lender tends to pull regionally; however, they don't have to.  If for example I moved to wherever you were, for the next few years there's still a good chance they'd pull EX for me... but that's because I've lived in Cali for the last 8 years and there's a reasonable assumption on the part of lenders that EX will have better data on me than either EQ or TU.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)

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Regular Contributor
TATATA
Posts: 116
Registered: ‎02-24-2010
Re: My Toyota chances?

‎10-02-2012 10:02 PM

FYI - 

 

 I was shopping for a Toyota last weekend to take advantage of their 0% APR. I was told that Toyota will first pull EXP and if the auto enhance FICO is higher than 610, they can use either TU or EQ , if your EXP is not high enough to qualify for the 0%. I'm in Southern California. 

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