Cap One Auto Finance -- Fico 9 or 8 EX, EQ, &/or TU?

[Anonymous]

Hi all! Quick question -- which credit bureau(s) does cap one auto pre-approval pull from and do they use fico 8 or 9? I looked everywhere on here for that specific info, but was unable to find it. 

Thanks so much!

[Anonymous]

Pre approval is only a soft pull. Hard pull for my refinance was TransUnion  only, older version.

[Anonymous]

I just did this yesterday... preapproval was a soft pull as stated and the actual approval was a hard pull on all three bureaus but they only used TU's score. It was the old auto version, which is too bad because my auto on 8 and 9 are close to 800 vs. 740'ish.

[Anonymous]

Thanks!

I just applied and it looks like I was approved for 35k, but depending on the car, I hover at around 12% -14% interest. Which is AWFUL. I applied once before a couple of months ago just to see where I stood and I got better interest rare then and my credit was worse! I broke my back paying off my CC's only for the interest to increase! 

I am wondering if I could get a better rate at the dealership...? 

EX: 622 EQ: 617 TU: 632 

I have a bk that was discharged January 2019 and one account from MoneyLion that's paid off in full, but that is still reporting late because they are a horrible company. All my CC's have been paid off with the exception with one which is down to 70%.