TOYOTA....Fico 8 or auto enhanced scores?

[pizza1]

Does anyone know what version of scores they use ? Is it FICO8, or Auto enhanced, and if auto enhanced, which one??

Also, see that for their best rate its like 5.5%?? my loan with Navy is 3.25%...

they also pull EX and TU, and take the highest score?? Is that right?

[CreditCuriosity]

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@pizza1 wrote:

Does anyone know what version of scores they use ? Is it FICO8, or Auto enhanced, and if auto enhanced, which one??

Also, see that for their best rate its like 5.5%?? my loan with Navy is 3.25%...

they also pull EX and TU, and take the highest score?? Is that right?

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TU I believe... reach out to baller I know she financed a 4 runner with them about 6 months ago.. Otherwise someone else can answer the question here, but I could of sworn she said TU.. Not sure if it was auto enhanced or not nor what rate she got.

[Anonymous]

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@pizza1 wrote:

Does anyone know what version of scores they use ? Is it FICO8, or Auto enhanced, and if auto enhanced, which one??

Also, see that for their best rate its like 5.5%?? my loan with Navy is 3.25%...

they also pull EX and TU, and take the highest score?? Is that right?

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The Toyota dealer pulled all three on me last week here in Southern California to review our credit at the dealership. They were pulled by a company called 700 Credit who provides credit reports and other services to dealers. Those score were not Fico 08 (they were lower) but none of them said "Auto Enhanced" next to them either. All three had different names. I believe my wife has the paper filed somewhere, if you want more specifics pm me and I'll try to find it. That was on Thursday April 30th and on Monday May 4th Toyota Financial pulled my Experian (which is by far my worst) and on Tuesday May 5th they pulled TU (my best). So two different days, two pulls, Experian/TU. Can't tell you yet which score model was used on those pulls. I ended up with like 11 HP's in this whole process. I completely went about it the wrong way. I'm a total noob at car buying!

[Anonymous]

I qualified for 0% for Toyota Financial with 3rd tier scoring in Olathe...Kenny Thomas. They pulled TU and EX.

[Creditaddict]

Toyota/Lexus pull EX HOWEVER the dealership will pull at least TU and EX and I had lexus pull all 3 which makes me mad because when they send it to financing the company only pulls 1 so it doesn't matter what the others are!

Little confused by that... Nissan did this to me few weeks back when I leased my new Rogue, Nissan Motor Acceptance pulls EX only and the dealership told me this but for some reason while there I got alerts for additional pulls to TU and EQ becuase they had pulled EX before I came in!

In the end 4 pulls isn't a big deal but just doesn't makes sense to me why look at what the main company bank won't look at.

[CreditCuriosity]

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@Creditaddict wrote:

Toyota/Lexus pull EX HOWEVER the dealership will pull at least TU and EX and I had lexus pull all 3 which makes me mad because when they send it to financing the company only pulls 1 so it doesn't matter what the others are!

Little confused by that... Nissan did this to me few weeks back when I leased my new Rogue, Nissan Motor Acceptance pulls EX only and the dealership told me this but for some reason while there I got alerts for additional pulls to TU and EQ becuase they had pulled EX before I came in!

In the end 4 pulls isn't a big deal but just doesn't makes sense to me why look at what the main company bank won't look at.

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This is why I go in with all mine frozen CA and say pick one... You ony get one..  Worked for me.  Well one for the dealerhsip and one for Lexus..

So they don't pull the Credco bs 3 hits across all bureaus then of course Toyota/Lexus or whatever pull as well

[jacksont1981]

I am going to the Lexus dealership at the end of the month to lease a NX200T I only want them to pull TU as that is my best score. I have frozen EX. Will they only pull TU if I tell them to do so? They can pull EQ as its just a bit lower than my TU but I absolutely do not want them to pull EX

[Creditaddict]

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@jacksont1981 wrote:
I am going to the Lexus dealership at the end of the month to lease a NX200T I only want them to pull TU as that is my best score. I have frozen EX. Will they only pull TU if I tell them to do so? They can pull EQ as its just a bit lower than my TU but I absolutely do not want them to pull EX

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I believe Lexus Financial ONLY pulls EX so even if the dealer will pull TU I don't think Lexus will allow it once it gets to them.

[jacksont1981]

Oh boy...

[CreditCuriosity]

My Lexus was a TU from the dealership and Lexus itself, no EX involved.  Edit: I should add a note, they used my TU score, althogh they did want a pull being Lexus of EQ which I let them have, but used my TU score which was higher at 712 TU04 auto enhanced which they used.  hope this helps

Performance of Brentood is the Lexus Deaership and Obviously Toyota Motor Credit is Lexus.. This is my TU HP's