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Do you know which Fico Auto Enchanced Score GM Financial is using? We are looking at a lease.
Also - my credit score is quite a bit higher than my husband's. Do they use the higher or lower score and both incomes?
I don't know if it's the same at every dealership, but I know we submit EQ Auto 5 scores to GMF.
The score that GM financial will pull will depend on your location/region..it varies state to state. The Dealer will submit you to GM Financial and GM Financial will pull the bureau they use in your region.
Every lender is different and I have no experience with GM Financial..some lender's have their own internal scoring system that determines your rate based on multiple things such as score, income, DTI/PTI, LTV, miles, year, etc.... Some lender's are strictly based off of FICO Scores to determine rates... (ie a 740+ score qualifies for A tier financing at x.xx% interest)
What are your current Fico scores, as well as your spouses?