Which score does cap 1 auto navigator soft pull use?

[Anonymous]

Anyone know if cap 1 uses EX, EQ, or TU for the soft pull prequalification?

[Gmood1]

If my memory serves me, I believe it was Equifax on the soft pull for me.

I had to unfreeze it, after receiving an error from Cap One. 

[Anonymous]

I just pulled my annual reports and Cap1 pulled a soft inquiry on all 3. Guess they average out the details and offer the APR's??

[Gmood1]

Do you have in Cap One CCs?

[Anonymous]

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@Gmood1 wrote:

Do you have in Cap One CCs?

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Yes, I have 2.

The reports of the Cap 1 soft pull inquiry are all on 09/19; the day I pre-qualified with auto navigator. EX (which happens to be my lowest credit score of the 3) report actually even says "Capital One Auto Finance".

I was curious how accurate the APR rates were that Cap1 auto navigator give me when looking at their inventory. I was curious if they pulled only TU, which is my highest credit score. I have a small collection account that reports to EQ and EX. But seems like they pull all 3.

[Anonymous]

As I have seen in other threads as well, it seems CapOne pulls all 3 CRAs for auto loan, just as they do for CCs.  But, do they use the auto enhanced scores, standard FICO, or an internal score?

[Anonymous]

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@Anonymous wrote:

As I have seen in other threads as well, it seems CapOne pulls all 3 CRAs for auto loan, just as they do for CCs.  But, do they use the auto enhanced scores, standard FICO, or an internal score?

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Yes, I'd love to know which model they use. Maybe someone who used them and asked which model can enlighten us.