Does Navy Federal use FICO EQ9 or TU9 for car loans?

[Mad12345]

Hello, I'm fairly new to the FICO boards. I am thinking of buying a car next June. My chapter 13 is due to fall off all of my CR the end of May 2021. My scores are right at 700 for all 3 bureaus (EQ 689-EX 695-TU 701). I'm assumimg that I will get a score boost when the BR comes off. and I have 1 bad account on EQ that should roll off at the same time IIB. My TU auto 9 is 711 and my EQ auto 9 is 687. As you can see my TU score is higher. I'm hoping to be above 740 by June. Can anyone help me with this question please?

[OmarGB9]

They used to use EQ, but now they've moved to TU9 for all credit products.

[Mad12345]

Thank you for your help. I have my eye on a 2017 Lexus LS 460. It feels good to be getting myself back on track. Can't wait to look at my Cr and not see BR chapter 13.

[Flexfanatic]

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@OmarGB9 wrote:

They used to use EQ, but now they've moved to TU9 for all credit products.

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To clarify, are you saying they use Auto Score 9 for auto loans and something like a credit card approval would use Bankcard 9? 

[Mr_Mojo_Risin]

I believe they've switched to TU for credit apps. Back in September I was approved for a car loan from them and they pulled my EQ5. 

I was kinda surprised cause I always heard it was EQ9 for auto loans.

[Mad12345]

I'm looking to but a car when my BR rolls off. I'm hoping for a good score bump whe that happens.

[OmarGB9]

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@Flexfanatic wrote:

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@OmarGB9 wrote:

They used to use EQ, but now they've moved to TU9 for all credit products.

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To clarify, are you saying they use Auto Score 9 for auto loans and something like a credit card approval would use Bankcard 9? 

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I'm not entirely sure which version of TU9 they use for each. I believe it's just regular TU09. No bankcard or auto enhanced.

[BessTruman]

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@Mr_Mojo_Risin wrote:

I believe they've switched to TU for credit apps. Back in September I was approved for a car loan from them and they pulled my EQ5. 

I was kinda surprised cause I always heard it was EQ9 for auto loans.

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I spoke to NFCU today and they told me they pull TU.