topic Re: Acura credit pull in Auto Loans

Acura credit pull

Sitori — Fri, 18 Oct 2019 18:52:47 GMT

Does anyone know who Acura pulls from?
What credit is needed to qualify?
I’m still deciding between financing and buying but my credit just keeps getting dinged with idiotic things (doesn’t it seem like that happens when you’re repairing it??!)
I’m now in the low 600’s. Trying to get it up to at least 650/660 before I attempt but it seems like I’ve been trying to get there for ever and it isn’t happening. Problem is I need to get an SUV ASAP. If I have a good amount for a down payment will they be more opt to qualifying you?

I know I can always refinance later on which I would, but obviously need to at least be qualified in getting the loan/ lease.

Prob with the lease is that I can not keep the miles as low as they need them to be. I think right now Acura is at 7500 limit per year LOL that’s crazy.

Re: Acura credit pull

Anonymous — Sat, 19 Oct 2019 20:54:52 GMT

I bought an Acura earlier this week and financed through them to get incentives. They pulled EQ Auto 8. My score was 699, which put me at their 5th tier, but were able to bump me up to less than 3rd tier rate (4.4). He showed me the chart of scores and rates and tier 5 appeared to be in the middle, but I didn’t notice how far down the tiers went in terms of scores. Hope that helps!

Re: Acura credit pull

Sitori — Mon, 21 Oct 2019 21:36:41 GMT

Thanks!

Re: Acura credit pull

sccredit — Thu, 24 Oct 2019 15:33:17 GMT

You can always get a higher mileage lease, it just changes the residual to compensate for the mileage. We have a lease with Infiniti at 15k a year.

Re: Acura credit pull

babbles — Thu, 09 Jan 2020 23:17:41 GMT

Would Honda use EQ 8 also?

Re: Acura credit pull

Sitori — Tue, 25 Feb 2020 06:24:20 GMT

Where do I get the auto 8 score? They only give 5,4,2 on here with the membership.

Re: Acura credit pull

donkort — Wed, 26 Feb 2020 04:47:17 GMT

They do provide Auto 8 scores for each bureau if you buy individual credit reports.

Re: Acura credit pull

Sitori — Wed, 26 Feb 2020 22:07:53 GMT

I got it... auto 8 is on the 3B report on here. I had the membership and didn't realize I got the report for free lol