Hi - I am thinking of refinancing my car with NFCU. Does anyone know what FICO model and CRA they normally use? Also, if anyone knows roughly what kind of scores might be needed that would be most appreciated!
I don't know the FICO model they use, but I do know they use EQ for the bureau. Generally speaking NFCU tends to be a good (ie, lenient) lender. I'm pretty sure a 650 would qualify for an auto loan with them, and the rate may even surprise you. I'd be pretty surprised if their rate did not handily beat Cap One's Auto Navigator which does not cost a hard pull to run.