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Auto Lenders Using Fico 8 or Vantage Scores?

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New Contributor

Auto Lenders Using Fico 8 or Vantage Scores?

Just curious if there are any auto financing lenders/companies/CU's that still use FICO 8 or Vantage Scores at all?

4 REPLIES 4
Regular Contributor

Re: Auto Lenders Using Fico 8 or Vantage Scores?

I would guess that 99.99999999% of auto lenders use Fico 08 auto enhanced.  And that .000000000001 place uses vantage still.  Vantage is dead.  Long live fico.

Message 2 of 5
Established Member

Re: Auto Lenders Using Fico 8 or Vantage Scores?

There are threads on here that stated Carvana uses Vantage.
Message 3 of 5
Moderator Emerita

Re: Auto Lenders Using Fico 8 or Vantage Scores?


@Dragen wrote:
There are threads on here that stated Carvana uses Vantage.

Yes, but it hasn't been confirmed that the underwriter for Carvana uses the Vantage score to actually underwrite and sell the loan. 

Message 4 of 5
New Contributor

Re: Auto Lenders Using Fico 8 or Vantage Scores?

I was talking to Carvana and they confirmed that is the model they use Vantage 3.0

Starting FICO scores 5/2017--- 580 EQ/ 531 TU/535 EXperian

As of 12/29/17 Curent FICO ----691 EQ/ 666 TU/ 686 Experian
Message 5 of 5
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