Valued Member
photobywes
Posts: 47
Registered: ‎01-21-2008
Roadloans & Chase

‎05-21-2008 08:25 AM

Does anybody know which CRA's these lenders typically pull from? and do they use traditional ficos or auto enhanced scores? Im going to be applying soon and just want to know what to expect. thanks!
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Contributor
FICOfit
Posts: 83
Registered: ‎06-12-2007
Re: Roadloans & Chase

‎05-22-2008 07:57 AM

I just got approved through roadloans for a 11.94 rate, up to $30K with a 120% "loan to value" ratio.  Not awful, but considering I have decent credit now, aside from a few lates on an auto loan a few years ago, it's not great either.
05/19/08 TU: 703 EQ:717 EX:710

05/08 TU:660 EQ:710 EX:621
04/08 TU:654 EQ:671 EX:618
3/08 TU:608 EQ:624 EX:623
11/07 TU:564 EQ:555 EX: 560
Goal: 700 club by Dec 2008. Can it be done? Heck yeah!! It's done, let's keep it that way!
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Contributor
InfinitiG35
Posts: 80
Registered: ‎01-31-2008
Re: Roadloans & Chase

‎05-22-2008 08:16 AM


photobywes wrote:
Does anybody know which CRA's these lenders typically pull from? and do they use traditional ficos or auto enhanced scores? Im going to be applying soon and just want to know what to expect. thanks!


I applied to both Roadloans and Chase last week and they both pulled Equifax. I live in MD
Starting Score: EQ632 TU649
Current Score: EQ632 TU649
Goal Score: 700 on all three

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Valued Member
photobywes
Posts: 47
Registered: ‎01-21-2008
Re: Roadloans & Chase

‎05-23-2008 08:31 AM

not to pry, but were you approved? i have similar scores to yours.
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