@Anonymous wrote:I finally got my Eq Fico score from DCU. Is that the score they use for their auto loan app? If so I'm 14 points away from their best rate!!!!
Yes, same exact score. Good luck!
@Anonymous wrote:I was just speaking with a woman in their loan dept on Monday. I was calling to ask about a mortgage, but since she was on I also asked her a question about my monthly score I receive from them and she told me they didn't use those scores. She pulled up my score from my auto loan in Jan and she gave me the actual score they used which was lower.
The free monthly score they provide is an EQ04 score just like the one they pull for auto loans, unless the off chance that they pulled EX for you, which actually happened to me.
@Anonymous wrote:
@Anonymous wrote:I was just speaking with a woman in their loan dept on Monday. I was calling to ask about a mortgage, but since she was on I also asked her a question about my monthly score I receive from them and she told me they didn't use those scores. She pulled up my score from my auto loan in Jan and she gave me the actual score they used which was lower.
Just to clarify...she used the scores from January which were used for both Auto and Mortgage? That's interesting. The free fico is from Experian and that's what they pulled for my membership/
DCU's free score is from Equifax...nothing else. And that's what they pull for membership.
@Anonymous wrote:
@EddieK wrote:
@Anonymous wrote:I was just speaking with a woman in their loan dept on Monday. I was calling to ask about a mortgage, but since she was on I also asked her a question about my monthly score I receive from them and she told me they didn't use those scores. She pulled up my score from my auto loan in Jan and she gave me the actual score they used which was lower.
The free monthly score they provide is an EQ04 score just like the one they pull for auto loans, unless the off chance that they pulled EX for you, which actually happened to me.
I'm confused...the free Fico is from Experian as well and that's what it sounds like. They pulled EX for your auto loan EddieK?
They pulled EQ for membership. And pulled EQ and EX for my auto loan. But them pulling EX for anything is very rare, I didn't even know until they sent me a letter stating what report was used and score when approved for the auto loan.