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Ford Credit

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Anonymous
Not applicable
‎03-18-2015 02:53 PM
‎03-18-2015 02:53 PM

Ford Credit

Does anyone know what version of FICO scoring Ford Credit uses?

 

I know they pull EX 99% of the time, but I'm wondering if they use FICO08, FICO08 Auto or FICO02 for EX. My scores vary significantly between each version and I can't seem to find an answer on the boards.

 

 

Message 1 of 6
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Anonymous
Not applicable
‎03-18-2015 03:30 PM
‎03-18-2015 03:30 PM

Re: Ford Credit

I don't know which scoring model they use but when I app'd 12/2014 they pulled TU. It was an auto enhanced score.

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Anonymous
Not applicable
‎03-18-2015 04:57 PM
‎03-18-2015 04:57 PM

Re: Ford Credit

That's very interesting, I was under the impression they primarily pulled EX.

 

Did you apply via the dealer or through the Ford Credit website? What state are you in?

 

Thanks for the feedback.

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Anonymous
Not applicable
‎03-18-2015 05:00 PM
‎03-18-2015 05:00 PM

Re: Ford Credit

Dealer in WI.

Message 4 of 6
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Creditaddict
Legendary Contributor
‎03-18-2015 05:34 PM
‎03-18-2015 05:34 PM

Re: Ford Credit

Lincoln/Ford this morning told me EX and 640+ to get best rates!!!

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Anonymous
Not applicable
‎03-19-2015 04:19 AM
‎03-19-2015 04:19 AM

Re: Ford Credit

Wow that seems awfully low for getting the best rates.

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