Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007
Re: Auto Credit and Scoring

 


striders wrote:

 


bglee8 wrote:

 

By the way my TU-733 and Experian-657.. I live in California and have noticed that many lenders use Experian which is always my lowest score..Is there any way to leverage that 733 when Igo to negotiate.

Message Edited by bglee8 on 03-06-2010 06:18 PM

 

Which lenders do this? Now that we CANNOT GET EXPERIAN FICO score, it seems that these particular lenders have the upper hand when giving us the loan. I mean, how do we know if I actually qualify for, say 5.9% auto loan but the lender said it's 9.9% because I have "low" score in Experian, but I don't even know what's the actual score.

 

If you know these lenders, let me know so I'llt ry to avoid them.


 

Unfortunately that poster hasn't been on in nearly a year. In the Auto Loans board, there is a (stickied?) thread on auto approvals. Seems like there are quite a few that pull EX. While consumers cannot purchase an EX FICO, lenders still provide it and there's at least one CU that actively provides it on a monthly basis if a member and if requested.