What does NFCU pull for AUTO?

[GoHooterGo]

My internal score at NFCU is 317, with my FICO 8 ranges from 670 (Equifax) to 715 (Experian).

Was recently approved for a 20k SL Platinum CC.

Curious what to expect from NFCU and who they pull for AUTO LOANS.

[Fico82]

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@GoHooterGo wrote:

My internal score at NFCU is 317, with my FICO 8 ranges from 670 (Equifax) to 715 (Experian).

Was recently approved for a 20k SL Platinum CC.

Curious what to expect from NFCU and who they pull for AUTO LOANS.

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I believe they run transunion. Goodluck 👍 

[2b2rich]

I applied online last night and they pulled TU.  I only know this because I started getting notifications and they were only TU.

I've been a NFCU member for about 3 years and have checking, savings, and CC with them and I just paid off an auto loan with them about 6 weeks ago.  TU Fico auto score is about 680.

[CaptainConcorde]

Are they pulling the regular FICO 8 or are they looking at the FICO AUTO 8 score?

[AutisticPretzel]

Navy Federal pulls TU FICO 9 classic for their auto loans from all of the data I've gathered. With that said, that only seems to be a piece of the equation because they also use this in combination with their internal scoring system, which can certainly get someone with fair or flat out poor credit approved at decent rates.