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Any lenders use Equifax FICO Auto Score 9?

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Established Contributor

Any lenders use Equifax FICO Auto Score 9?

Edit: I got my car loan and am out of the market now, so this no longer matters for me, but I will leave my question here in case someone answers and it's helpful for others.

 

For some reason, my FICO 9 scores are higher in general.

 

FICO Score 8 is 691. FICO Auto Score 8 is 682. FICO Bankcard Score 8 is 694.

 

FICO Score 9 is 748. FICO Auto Score 9 is 752. FICO Bankcard Score 9 is 756.

 

I'm not really concerned with cards right now, but I am interested in auto loans. Thanks!


FICO 8 scores are deceptively high. My profile is young with a lot of new accounts and even more inquiries from 2019. The Barclay AU card is not on TransUnion; and, Equifax has some old positive accounts from 2011 that are not on the other two. That is the reason for the variation in scores. No derogs. Over 5/24 until fall 2021.
Cards

Authorized user / Corporate / Auto loan

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.

Goals: Late 2020 - Ducks Unlimited card; scores in high 700s with inquiries aging. Long-term goal - Prime rate mortgage; able to qualify for most standard credit products.
Message 1 of 5
4 REPLIES 4
New Visitor

Re: Any lenders use Equifax FICO Auto Score 9?

Hello,

 

I am also looking for banks that use Equifax Fico 9 as it is my highest score. Did you ever locate any that do? I have called/emailed several banks and no luck yet.

 

~ Tink

Message 2 of 5
Community Leader
Senior Contributor

Re: Any lenders use Equifax FICO Auto Score 9?


@TinyTink wrote:

Hello,

 

I am also looking for banks that use Equifax Fico 9 as it is my highest score. Did you ever locate any that do? I have called/emailed several banks and no luck yet.

 

~ Tink


@TinyTink Off the top of my head, PenFed Credit Union comes to mind.  

Message 3 of 5
Valued Contributor

Re: Any lenders use Equifax FICO Auto Score 9?

Does this equate to a bad review for your new Jeep?




"I thought credit was over in 2008. Never underestimate the ability of central bankers to blow a bubble." - Me
“If you don’t know, the thing to do is not to get scared, but to learn.” – Ayn Rand
Message 4 of 5
Established Contributor

Re: Any lenders use Equifax FICO Auto Score 9?

If you're asking me - no, I posted this thread before I got the loan for my Jeep. I just left the thread up in case it helped anybody else.


FICO 8 scores are deceptively high. My profile is young with a lot of new accounts and even more inquiries from 2019. The Barclay AU card is not on TransUnion; and, Equifax has some old positive accounts from 2011 that are not on the other two. That is the reason for the variation in scores. No derogs. Over 5/24 until fall 2021.
Cards

Authorized user / Corporate / Auto loan

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.

Goals: Late 2020 - Ducks Unlimited card; scores in high 700s with inquiries aging. Long-term goal - Prime rate mortgage; able to qualify for most standard credit products.
Message 5 of 5
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