I bought a Lincoln MKZ hybrid loaded on 8-14-18....a little over 49k msrp. I bought it through the Costco auto program. I have the executive membership for $120 a year. The purchase price for the vehicle after Costco discounts was $43,059.56. $1500 in rebates on the 2018. After taxes, title, license and a few dealer fees the total financed was about 44k. Dorsch Lincoln in Green Bay, Wi was my contact and I am pleased with the service from both Costco and Dorsch.
Saying that, they pulled Transunion Fico 8 Auto Score in Wisconsin. It was pulled twice. First the dealer pulled, then they sent it on to Lincoln financial who also pulled. I was told that it had to be 2 pulls because of some federal cra laws to be able to show the consumer the score.
My Transunion Fico 8 Auto Score was 767 on a 900 total max score. I had 20 inquiries on report over last 2 years(I bought a house recently and did some mortagage shopping over 8 months so they were not combined inquiries) Income 94k and DTI with mortgage under 25%. Approved for 0% for 72 months without question and never had to provide proof of income. Sales manager said that Lincoln really just looked at the credit score and that was all the proof they needed.
Hope the data helps
Signature as of 10/01/21. Clean file. MYFICO 3B. I live in Green Bay, Wisconsin for those tracking what credit bureau is pulled by location.
FICO 8 EQ=796 TU=799 EX=801
FICO 9 EQ=816 TU=816 EX=813
MORTGAGE SCORES EQ=773 TU=782 EX=787
AAoA=4Y3M AoOA=11Y4M AoYA=5M
VANTAGE SCORES EQ=825 TU=813 EX=813
BUSINESS CREDIT SCORES. Formed LLC 6/1/18. YEARLY SALES=3M
EXPERIAN BUSINESS CREDIT SCORE=77 EXPERIAN FINANCIAL STABILITY RISK RATING=1 SMALL BUSINESS SCORE SERVICE SCORE=210 D+B=80
HARD PULLS last 12 months EQ=1 TU=1 EX=1 Three new accounts reporting.
HARD PULLS last 24 months EQ=1 TU=2 EX=2 Four new accounts reporting.
INCOME=$290k as of 10/01/21 for income stated on applications. DTI=2.5% Business sales 300k monthly.
MAIN BUSINESS and PERSONAL BANKING=CHASE
MORTGAGE=800K 03/21 2.25%
INSTALLMENT LOAN. Vehicle loan opened 08/18. Zero down. 45K at 0% for 60 months LINCOLN FINANCE.
OPEN PERSONAL ACCOUNTS/OPEN DATE
DISCOVER=34k 10/17 CITI COSTCO VISA=16k 06/18 US BANK CASH+=7k 06/18 PENFED PLATINUM REWARDS=10k 07/18 CHASE FREEDOM=10k 07/19 CHASE SAPPHIRE RESERVE=14.1k 09/20 AMEX PLATINUM= NPSL 04/21 AMEX HILTON SURPASS=10k 05/21
OPEN BUSINESS ACCOUNTS/OPEN DATE
CHASE INK CASH=10k 07/18 AMEX MARRIOT BONVOY=10k 02/19 CHASE INK UNLIMITED=10k 09/19 US BANK BUSINESS CASH=29k 10/19 WELLS FARGO BUSINESS PLATINUM=20k 11/19 AMEX LOWES BUSINESS=15k 11/19 AMEX BLUE BUSINESS PLUS=35k 02/20 CHASE INK PREFERRED=50k 07/20 AMEX BUSINESS GOLD=NPSL 09/20 AMEX BUSINESS PLATINUM=NPSL 05/21 CHASE BUSINESS LINE OF CREDIT= 225k 09/21
