DCU EQ score.

[Anonymous]

Hi,

I am planing to refinance with dcu. I believe they pull Fico score 5 (or Auto 5).

My score (661) is kinda low compared to my Fico 8 (~700). I wonder what rate they would give me for 661.

I also wonder how to increase it as fast as I can. During the past 2 months my fico 8 comes from 657 to 700 across 3 bureaus but my fico 5 stays around 650-660.

Thanks.

[surferchris]

You might try Googling "Creditpulls database".

You could also just apply and see what happens, since its only one HP.

Good luck - let us know what happens.

[Anonymous]

@Chris:

I am with DCU right now at 5.49%. My score was 651 when I applied for auto-loan.

I tried the site you mention and it's mostly about Credit card apps. There are only some records about auto-refinance with really low score (590-630) and their rate are higher than mine ( > 8%).

I have 17 hard inquiries right now (14 of them are auto). I don't really want to take a HP just for testing,

[ficoguy2013]

With that score, you will qualify a 2.99% for 60 months

                                                      3.99% for 72 months

I went through it with them already. You get a nice .50% deduction for having Direct Deposit

[junebug225]

I recently refinanced both of my cars with a 660 and got 3.99 -.50 for direct deposit. One is for 65 months and the other 36 months.

[Anonymous]

I was just approved by them tin day. They used fico 8 from Equifax. 717 got 1.99 after autopay. 1.74 requires 730 

[Msflores408]

628 EQ. Refi to 5.49.

Was told they do in-house Refis so when I hit 710ish I will call again.

[Anonymous]

@Doberninja: is that so? I thought they were pullinh from Fico Score 5. That is what they give me every end of the month (free score from eq, they dont tell me which version it is).

My fico 8 now is 709. Maybe I should wait for another two months to get it up to 730.

Thanks.

[Anonymous]

DCU always uses the Equifax FICO 5 Mortgage score.