650 EQ

[spike69]

Will that qualify me for a decent rate with DCU? My EX is 680 and TU is 730.

[cartwrna]

It depends what your EQ04 score is, that is what they pull. My EQ FICO score from here is a 706, they pulled my EQ04 at 676, although some people have a higher EQ04 that FICO08. If they were to pull your EQ04 at 650 you would be around 3.99% APR, 3.49% if you setup direct deposit with them. 675+ EQ04 will net you 1.99% and 1.49% with direct deposit. Hope that helps. You can pull your EQ04 FICO score directly from Equifax.com for $19.99 if you wanted to check. It's under credit products but make sure our get the FICO score as they also sell there own internal score. Keep us posted

[spike69]

The 650 is directly from DCU. My FICO EQ here (08) is 680. My EQ FILE is thin and young as EQ is not reporting the CCs from 2007 the EX and TU do report.....

[cartwrna]

You would qualify for a 3.99% rate with DCU I believe! Weird both mine and yours 04 and 08 are 30pts apart