DCU - FICO Score question

[Anonymous]

So I've heard DCU uses Equifax but what exact score from my equifax report do they use? The Overall or the Auto enhanced score?

[Charger2014]

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@Anonymous wrote:

So I've heard DCU uses Equifax but what exact score from my equifax report do they use? The Overall or the Auto enhanced score?

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I have read that they used the Mortgage score which I think is the Fico Score 5.

[Anonymous]

I talked to a DCU rep ths morning.  They use the beacon 5.0 Equifax.  Was told that a score of about 640 would qualify for approx 4% interest if everything else checks out on your report

[Anonymous]

They can change the rate anytime without telling you. I don't trust them anymore. My two cent

i have no late payment with them but yet they changed my rate from 7.2 % to 8.24 without telling my crap

[Anonymous]

You should call them.

[bstone]

Aofei, please don't spread misinformation. Your rate was increased due to you not setting up direct deposit, you posted the chat transcript in another thread.

[mariposa7678]

I don't hink DCU will do something like that without letting you know, I refinance with DCU and I do "not" have DD and they rate they gave me was 1.99 with DD should of been 1.49 I choose not to DD all my money so I'm paying 1.99 

[fury1995]

I'm pretty sure DCU uses the old Equifax Beacon 5.0 which essentially evolved into the Fico Auto 08 score. A year or so ago, no individuals could buy an Auto Score when Auto Beacon scores were the only ones available to lenders.

There is now a Fico 09 available to lenders for auto approvals. Some have been using them for a little while.