What FICO scoring model does NFCU use for auto loans when purchasing from a private seller?

[MissLiz]

I have searched the forums and haven't found any recent DP's. Some older posts indicate TU or EQ mortgage scores were used, but I am curious if anyone has any updated information. Thank you!

[pizzadude]

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@MissLiz wrote:

I have searched the forums and haven't found any recent DP's. Some older posts indicate TU or EQ mortgage scores were used, but I am curious if anyone has any updated information. Thank you!

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NFCU pulled TU 98 for me earlier this year.   Don't think they'd use a different score for dealer sale vs private party.

Your credit score:  791

Source:  Trans Union LLC

Scores range from a low of 336 to a high of 843

[MissLiz]

@pizzadude  Thank you! That's super helpful!

[MissLiz]

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@pizzadude wrote:

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@MissLiz wrote:

I have searched the forums and haven't found any recent DP's. Some older posts indicate TU or EQ mortgage scores were used, but I am curious if anyone has any updated information. Thank you!

---

NFCU pulled TU 98 for me earlier this year.   Don't think they'd use a different score for dealer sale vs private party.

Your credit score:  791

Source:  Trans Union LLC

Scores range from a low of 336 to a high of 843

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Well, darn. I pulled my 3B report yesterday and see I don't have access to that scoring model. 

[pizzadude]

Yeah it's a really old scoring model, guessing it's a cheaper option for NFCU than the newer models? 

Not sure if this will be accurate for you but in my experience the older scoring models are more sensitive to utilization and tend to trend lower than the 08 models.

[MissLiz]

That is encouraging, actually. I managed to report AZEO and 1% utilization this month!