Hey guys. I was wondering if ayone here has gotten an auto loan with this credit union before. Their rates are very reasonable and the guy I talked to initially has been very nice. I am curius what scores they pull to make their lending decision. I heard from creditboards that they pull experian but not sure if thats FICO 8 or Auto Enhanced or one of the other scores. I do have a few charge offs of $1000 each from a few credit cards from around a year ago but i'm hoping thats workable as I have a large mix of accounts with several that are clean
For reference:
Loan- 52k (car is 60k, 8k down)
My Income: 60k a year
Experian Scores: FICO 8- 625 Auto 2: 699 Auto 8: 648
Wife(co-applicant)-
Income- 40k
FICO 8- 810, not sure her auto scores
