Who Do I Have A Better Chance With?

[Anonymous]

My FICO 9 score is 588- PenFed

My FICO 5 score is 636- DCU

I heard and read that for DCU you need minimum 675 to get an auto loan.

With PenFed i don't know minimum. 

So for an auto loan who would you recommend i try for the HP's? 

[Dragen]

Why not just do a pre-qual through either Cap One, Carvana or Springboard, to see where you stand; if one of them says yes, go with them for a few months until your scores increase, then refi through Penfed or one or the others....

[Anonymous]

I'm 660-680 and couldn't get cap one to pop a pre approval for me. Guess they hate me and why my CL isn't getting increased either

[sccredit]

DCU is 675 to get their top rate - they will approve lower bu tlikely in the 5% range

[Anonymous]

This is great to know. Does the FICO 5 scores improves as the FICO 8's do? Example i got alerted that my F8 went up to 712, but no update on the FICO 5.