Acura Finance credit score was WAY higher than what MyFico says!

[skigirl916]

Just leased a new Acura. Acura Finance/the dealership told/showed me the result of my credit check: 768! That made me "well qualified" and in their Tier 1, shaving quite a bit off the payment I was expecting! 

This was a very pleasant surprise because my scores on MyFico are 708, 720, 730, and my auto scores are from the low- to high-600s, not a single score above 700. 

(On the other hand, when I refinanced my house, the scores the lenders came back with were substantially lower than what's shown here.)

[dunn2500]

internal scoring algorithym maybe......does seem strange that iys almost 100 pts higher....whatever take it and run. lol!

[surferchris]

Congrats!

[Anonymous]

Have you had any previous loans with Honda or Acura?

[Loquat]

Whatever the reason for the difference, happy to hear it worked in your favor. What model did you lease?

[Anonymous]

Can add a DP to this one, too. Leased an Acura today, they pulled Equifax (not Transunion) and I have my EQ frozen because of my inquiries spree that score has taken a bit of a dive. Had I realized I'd be doing this now, I'd have waited (or done it sooner) when my scores were even higher but still they pulled a score that was a bit higher than I anticipated -- Auto-enhanced, I assume -- but mine was only about 7-10 higher than what myFICO currently said my Auto Scores were. (I got an RDX)

[Anonymous]

Same happened to me.  My auto 8 FICO on my eq was 767 and when dealer pulled it, it was 798.  I was shocked.  Almost 800.  Needless to say anything above 720 or 750 I think would be considered Tier 1 anyway.  So no big deal but nice to see.

[DarkKnight_Credit]

Congratulations!! It's interesting that there's score differences when the dealer pulls them and what MyFico shows. The good thing is that it's not a reverse effect where the score is lower than anticipated, so that's a good thing.