Question for anyone who has purchased a vehicle using Toyota Financial Services. So my Fico 8 auto enhanced scores are fine ranging from 775 to 826 depending bureau. However my wife has had credit problems from years back and has reestablished her credit favorably in the last few years but i am guessing her scores are probably in the low 600's. So a joint credit report will show one strong score and one that is not. Does TFS use the highest credit score of both applicants or is her score going to hurt us from getting any special manufacturer incentive interest rates? Thanks for the insight in advance!
