Which Fico model

[Shawndoe79]

anybody know which Fico model state dept fed credit union use for auto loans?

[Anonymous]

I know SDFCU uses FICO 08 bank score  and Experian bureau exclusively in May 2015. I called and inquired about it

[Anonymous]

Here is another tidbit for you all- There is also a AUTO FICO Model. Dealers around here use AUTO FICO 8. These often times score higher than other FICO models. Dealer initiated auto loans often score higher, because they have an agreement with the lender that they use the AUTO FICO 8 scoring system. That way when a dealer is calling to discuss or rehash an application, everyone is on the same page.

[Shawndoe79]

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@Anonymous wrote:

I know SDFCU uses FICO 08 bank score  and Experian bureau exclusively in May 2015. I called and inquired about it

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Awesome thanks maharshi 

[Shawndoe79]

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@Anonymous wrote:

Here is another tidbit for you all- There is also a AUTO FICO Model. Dealers around here use AUTO FICO 8. These often times score higher than other FICO models. Dealer initiated auto loans often score higher, because they have an agreement with the lender that they use the AUTO FICO 8 scoring system. That way when a dealer is calling to discuss or rehash an application, everyone is on the same page.

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great thanks arlo777. Good info

[buck_russell]

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@Anonymous wrote:

I know SDFCU uses FICO 08 bank score  and Experian bureau exclusively in May 2015. I called and inquired about it

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I just apped and they pulled EX fico 02

[Shawndoe79]

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@buck_russell wrote:

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@Anonymous wrote:

I know SDFCU uses FICO 08 bank score  and Experian bureau exclusively in May 2015. I called and inquired about it

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I just apped and they pulled EX fico 02

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Thanks buck_russell