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Hey guys! So as follow up to my post last week, my partner totaled his car -- and had some high balances reporting weighing scores down around 630-640 ranges. Well we were able to pay a bit of those down and got scores now ranging as follows:
EXP: FICO 08: 680 FICO 05 (CUs usually pull this): 666 FICO 08 Auto: 670
TU: FICO 08: 702 FICO 04: (" " ) 690 FICO 08 Auto: 693
EQ: FROZEN
Not sure why TU is always much higher than all other bureaus (even for my own credit) -- but in CALI most lenders seem to pull EXP which still is decent - my local CU quoted a rate of about 5-6% with a 666 FICO. WAYYYYY better than Crapital 1 12-19%.
So, are there any online lenders or CUs we should look at? Any lenders or dealerships that we know pull TU, or can we request they pull TU?? EXACT same info on both CRs, but differing scores. In southern Cali here.
Thanks all for any input! Trying to help get the best rate possilbe here!
@Anonymous wrote:
Tons of people go to DCU
+1
DCU gave me 1.74% on a used vehicle back when my FICO 8 was averaging about 680-685. I am actually currently in the process of making them my primary CU.
Penfed, NFCU, USAA