NFCU auto loan application

[Anonymous]

@Gladius  I requested a 72 month loan. 

and I'm not sure which FICO auto version was used to determine my eligibility. 

[lhcole77]

@Anonymous  That is music to my ears! Congrats on loan and rate. Navy has been real good to me over the years. Sounds like they will be with you as well.

[Anonymous]

@Gladius  No problem, and thank you 

[Anonymous]

@lhcole77 @Much appreciated. Looking forward to working with them as well

[dunn2500]

navy is awesome.....though they couldnt beat pen feds rate for me still its top notch customer service and people are all super nice at the bank......everything has been super easy and painless with them, so much different than a bank

you wouldnt have a problem anywhere with your scores

[Anonymous]

All be advised that if your apply for a auto loan with NFCU. They will pull a hard inquiry on Transunion and Experian.  🤷🏽‍♂️🤦‍♂️

finally received hits on my Experian monitoring after the fact. 

[Gladius]

Applied for a pre-approval with NFCU yesterday:

Amount:  Up to $60,000 (The car I have ordered is $56200 OTD)

Rate:  4.69

Months:  84

EQ:  766   TU:  756    EX:  754  

EQ Fico 9:  715

EQ Auto 8:  779

TU Auto 8:  774

EX Auto 8:  766

[Gladius]

---

@Anonymous wrote:

All be advised that if your apply for a auto loan with NFCU. They will pull a hard inquiry on Transunion and Experian.  🤷🏽‍♂️🤦‍♂️

finally received hits on my Experian monitoring after the fact. 

---

I received an alert from one of my services (forgot which one) about 3 minutes after I applied.  Haven't received anything from FICO yet.

[Anonymous]

@Gladius 

good deal brotha!  

[Anonymous]

Ok, a bit lost here. 

fico shows my transunion score @ 823

on the auto scale. 

NFCU sent me a letter with my "actual transunion credit score" which says its 766. 

what's the difference in models used here. My Fico nor my creditkarma vantage score show anything close to what NFCU is saying my score is.