topic Re: What score does Hyundai pull? in Auto Loans

What score does Hyundai pull?

Anonymous — Fri, 17 Jul 2015 14:58:32 GMT

I have been reviewing posts but can't determine what scores they pull. Does anyone know definitively whether it is a straight bureau score or an auto enhanced score and if so which? Also wondering if this is decided by region...

Also, I would be interested in an experience people might have had recently to determine what scores qualified for which Tiers.

Re: What score does Hyundai pull?

Anonymous — Fri, 17 Jul 2015 20:38:17 GMT

@Anonymous wrote:
I have been reviewing posts but can't determine what scores they pull. Does anyone know definitively whether it is a straight bureau score or an auto enhanced score and if so which? Also wondering if this is decided by region...

Also, I would be interested in an experience people might have had recently to determine what scores qualified for which Tiers.

I texted a friend who sells Hyundai's, they pull Experian. He's a salesperson and does not know anything specific other than that.

Re: What score does Hyundai pull?

Anonymous — Sat, 18 Jul 2015 01:23:45 GMT

Thanks that narrows things a bit now it is whether it is auto enhanced or not. Thanks again

Re: What score does Hyundai pull?

Anonymous — Sat, 18 Jul 2015 03:40:14 GMT

this response is a little misleading--- many dealers will run your credit to shop your rate. In many places (like West coast) experian is widely used especially by credit unions (CUDL)-- Hyundai Finance their captive lender bases their rates on Transunion scores and data. Hope this clarifies

Re: What score does Hyundai pull?

Ford725 — Thu, 30 Jul 2015 06:06:59 GMT

Here is my experience with Hyundai: I was told that HMF pulls Transunion, but that was not the case with me. Once the dealer submitted my app to HMF (7/06/15), they pulled my Equifax, which I had to unfreeze. A few days later, they pulled my TU. A day after that, they pulled my EX. It was the weirdest thing. I was finally approved and received my account number last Friday. YMMV, all of my Fico 08 Auto scores were low to mid 650's. Hope that helps. Good luck.

Re: What score does Hyundai pull?

Anonymous — Thu, 30 Jul 2015 18:35:12 GMT

I went to two different Hyundai dealers while trying to get the best deal available. I ended up doing apps at both (only because I thought I had the best deal at Dealer A but Dealer B said they could beat it and did). Dealer A showed me TU which also happened to be my lowest score of 718 and Dealer B showed me Experian. In either circumstance I was approved for the top rate.

Re: What score does Hyundai pull?

Ford725 — Thu, 30 Jul 2015 21:13:16 GMT

Congrats!!!! I ultimately was approved for a 2015 Sonata Limited 2.0T in white. My rate turned out to be 1.128% for a 48 month lease. My first NEW car!!! I've always bought used.

Re: What score does Hyundai pull?

Anonymous — Tue, 25 Aug 2015 19:47:41 GMT

@Ford725 wrote:
Congrats!!!! I ultimately was approved for a 2015 Sonata Limited 2.0T in white. My rate turned out to be 1.128% for a 48 month lease. My first NEW car!!! I've always bought used.

That's the car I'm looking to buy in December. I was looking at CPO Infinitis, but came across the Sonata with the same features for half the price. The wait is killing me.

Re: What score does Hyundai pull?

sccredit — Wed, 26 Aug 2015 13:15:37 GMT

@Anonymous wrote:
@Ford725 wrote:
Congrats!!!! I ultimately was approved for a 2015 Sonata Limited 2.0T in white. My rate turned out to be 1.128% for a 48 month lease. My first NEW car!!! I've always bought used.
That's the car I'm looking to buy in December. I was looking at CPO Infinitis, but came across the Sonata with the same features for half the price. The wait is killing me.

Having owned both Infiniti and Hyundai i will caution you that comparing the two is apples and oranges. If you are shopping just features fine but if you are looking at the overall driving experience the Hyundai won't compare.

Re: What score does Hyundai pull?

Ford725 — Wed, 26 Aug 2015 21:48:54 GMT

I am ABSOLUTELY in LOVE with my 2015 Sonata 2.0T!!! The polish, fit and finish, along with a list of features as long as my TWO arms, have made me a very HAPPY man. I get all the features of vehicles costing TWICE as much! The styling is more mature and upscale, less clownish in my opinion. The handling and power do what I need them to do and then some. It just feels much more substantial and solid. If you can hang on til December, you won't be disappointed......

Re: What score does Hyundai pull?

Ford725 — Wed, 26 Aug 2015 21:56:25 GMT

@sccredit wrote:
@Anonymous wrote:
@Ford725 wrote:
Congrats!!!! I ultimately was approved for a 2015 Sonata Limited 2.0T in white. My rate turned out to be 1.128% for a 48 month lease. My first NEW car!!! I've always bought used.
That's the car I'm looking to buy in December. I was looking at CPO Infinitis, but came across the Sonata with the same features for half the price. The wait is killing me.
Having owned both Infiniti and Hyundai i will caution you that comparing the two is apples and oranges. If you are shopping just features fine but if you are looking at the overall driving experience the Hyundai won't compare.

The Infiniti's I priced were SPARTAN feature wise compared to my Sonata........ And another nice bonus is the resale on my Hyundai is almost neck and neck with the Honda Accord....

Re: What score does Hyundai pull?

Anonymous — Thu, 27 Aug 2015 13:35:55 GMT

@sccredit wrote:
@Anonymous wrote:
@Ford725 wrote:
Congrats!!!! I ultimately was approved for a 2015 Sonata Limited 2.0T in white. My rate turned out to be 1.128% for a 48 month lease. My first NEW car!!! I've always bought used.
That's the car I'm looking to buy in December. I was looking at CPO Infinitis, but came across the Sonata with the same features for half the price. The wait is killing me.
Having owned both Infiniti and Hyundai i will caution you that comparing the two is apples and oranges. If you are shopping just features fine but if you are looking at the overall driving experience the Hyundai won't compare.

Luxury cars would be more of a liabilty than an asset at this point in my life. I might drive a combined 2 hours a week and live in a place with extremely high insurance rates in addition to parking on the street. It finally came down to dollars and cents-I simply don't drive enough to justify the cost of a car that will sit 98% of the time. I think this means I'm officially old

Re: What score does Hyundai pull?

Anonymous — Wed, 02 Sep 2015 17:04:01 GMT

Old I am too. I am planning to buy a crossover and I want all the features but I realistically spend an hour a day in the car at most and much of that is sitting in my car when I get somewhere or home while I gather my things and decide to get out. I've had my car for 9 years and it's been awesome, zero problems but its starting to show its age this last year and I suspect I'll have to start replacing things soon. I have a garage so I'm safe from the street parking issue but I too am looking at Hyundai because I simply can't justify the premium of a luxury brand given how little I drive. I mean that's partly me talking myself out of it since I rarely allow myself to be dollar smart and buy a cheaper option.

To the OP question. I don't know, but those of you saying you had multiple pulls, do they specifically say Hyundai MF or something or are the pulls from other creditors the dealer is shopping around for? It doesn't really matter what they pull because my scores across all 3 are consistently in the same brackets.

Re: What score does Hyundai pull?

DantGwyrdd — Wed, 02 Sep 2015 18:47:19 GMT

East coast here (CT) and HMF pulled TU. What kind of score it was exactly I do not know.

Re: What score does Hyundai pull?

Ford725 — Thu, 03 Sep 2015 09:14:28 GMT

It was HMF on all three. I suspect it may have been because of the fraud alerts I had on all as well.

Re: What score does Hyundai pull?

sccredit — Thu, 03 Sep 2015 13:04:33 GMT

@Anonymous wrote:
@sccredit wrote:
@Anonymous wrote:
@Ford725 wrote:
Congrats!!!! I ultimately was approved for a 2015 Sonata Limited 2.0T in white. My rate turned out to be 1.128% for a 48 month lease. My first NEW car!!! I've always bought used.
That's the car I'm looking to buy in December. I was looking at CPO Infinitis, but came across the Sonata with the same features for half the price. The wait is killing me.
Having owned both Infiniti and Hyundai i will caution you that comparing the two is apples and oranges. If you are shopping just features fine but if you are looking at the overall driving experience the Hyundai won't compare.
Luxury cars would be more of a liabilty than an asset at this point in my life. I might drive a combined 2 hours a week and live in a place with extremely high insurance rates in addition to parking on the street. It finally came down to dollars and cents-I simply don't drive enough to justify the cost of a car that will sit 98% of the time. I think this means I'm officially old

Don't get me wrong, I am not saying that the Hyundai is not a nice car. We had a Santa Fe Limited and it was very nice. We looked hard at the Sonata when we bought DW's Infiniti. In the end we got a fully loaded G37 for $33k. The deal was right, the rate was right (0.9%). She only drives 8k miles a year so she' ll have it for 10 years. I, on the other hand, drive 35k miles a year and was shopping hybrids before the company let me go to Lexus and pick out my RX at no cost to me.