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DCU - What model EQ?

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Jutz
Valued Contributor
‎01-02-2013 09:38 AM
‎01-02-2013 09:38 AM

DCU - What model EQ?

Hey guys, really close to pulling the trigger on an auto loan, but I need to know - Does DCU use EQ 04 (i.e. the model we get from MyFICO) for their credit pulls?  I know it's EQ, but I need to make sure what I see on here matches up to what they say, since I'm so close. (645 vs. 640 minimum to qualify)

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 1 of 5
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Shogun
Moderator Emeritus
‎01-02-2013 10:27 AM
‎01-02-2013 10:27 AM

Re: DCU - What model EQ?

Maybe someone will chime in here with their experience.  I know some use an auto enhanced score, but I'm not sure if DCU does or doesn't.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 5
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Jutz
Valued Contributor
‎01-02-2013 10:32 AM
‎01-02-2013 10:32 AM

Re: DCU - What model EQ?

Finally talked to someone who knew on the phone.  They use Beacon i.e. EQ 04

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 3 of 5
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Shogun
Moderator Emeritus
‎01-02-2013 10:41 AM
‎01-02-2013 10:41 AM

Re: DCU - What model EQ?

Ahh, then you're on track.  

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 5
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Jutz
Valued Contributor
‎01-02-2013 10:56 AM
‎01-02-2013 10:56 AM

Re: DCU - What model EQ?

They also told me if you do it online, it can be hard pull for membership, soft pull for auto and CC if done within 30 days.  I'm not 100% sure this is correct, but they were on the loan origination team, so I value their info a little more than frontline CSR.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 5 of 5
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