Which Scoring Model Does Bank of America Use for Auto Loans?
A quick question that I haven't been able to run down through my searches here: Which scoring model does BoA use for auto loans? If there is a "What score do they pull" thread I couldn't find it, but I would love to bookmark it for future reference.
Background: I received a denial of credit letter from BoA (Dealer Shotgun App) that stated my score at time of application was 717 from Experian on a scale of 250 to 900. So, obviously an industry score. But it isn't a match for any scores I have from that time frame. I'd like to be able to attribute it to a scoring model for my records and future awareness.
I already had an NFCU loan approval in place and the reason for denial was the mileage of the vehicle, not creditworthiness. So I only care because I am trying to understand the process.