FICO Scoring Models...everyone is not knowledgeable

[A1Credit]

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@Anonymous wrote:

Carmax is one example of a major auto lender/seller who appears to be using FICO 8 Classic (not the Auto score):

http://ficoforums.myfico.com/t5/Auto-Loans/Auto-Lender-That-Uses-Standard-FICO-Not-Auto-Enhanced/td-p/4662908

I suspect there are quite a few others.

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Thanks!  I suspect that is what is going on with this credit union.  They may just use the standard EQ Fico score and not an enhanced version.  Thanks for the link!

[DaveInAZ]

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@A1Credit wrote:

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@Anonymous wrote:

Carmax is one example of a major auto lender/seller who appears to be using FICO 8 Classic (not the Auto score):

http://ficoforums.myfico.com/t5/Auto-Loans/Auto-Lender-That-Uses-Standard-FICO-Not-Auto-Enhanced/td-p/4662908

I suspect there are quite a few others.

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Thanks!  I suspect that is what is going on with this credit union.  They may just use the standard EQ Fico score and not an enhanced version.  Thanks for the link!

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My small local CU (Only 2 branches) doesn't even use EQ Fico. For my car loan I asked the loan officer what my credit score was and she said "704". I asked if that was a Fico score and she seemed confused and replied "No, it's Equifax". That matched my Credit Karma EQ score at the time, so I'm pretty sure it was just Vantage. A 60 mo. loan on a 2 year old car from Hertz at 1.99% APR (in Feb 2015), I'm not complaining.

[A1Credit]

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@DaveInAZ wrote:

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@A1Credit wrote:

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@Anonymous wrote:

Carmax is one example of a major auto lender/seller who appears to be using FICO 8 Classic (not the Auto score):

http://ficoforums.myfico.com/t5/Auto-Loans/Auto-Lender-That-Uses-Standard-FICO-Not-Auto-Enhanced/td-p/4662908

I suspect there are quite a few others.

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Thanks!  I suspect that is what is going on with this credit union.  They may just use the standard EQ Fico score and not an enhanced version.  Thanks for the link!

---

My small local CU (Only 2 branches) doesn't even use EQ Fico. For my car loan I asked the loan officer what my credit score was and she said "704". I asked if that was a Fico score and she seemed confused and replied "No, it's Equifax". That matched my Credit Karma EQ score at the time, so I'm pretty sure it was just Vantage. A 60 mo. loan on a 2 year old car from Hertz at 1.99% APR (in Feb 2015), I'm not complaining.

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Wow! That's great!  If only I could be so lucky. 

[Anonymous]

Ut oh, a reference of a lender possibly using a VS 3.0 score... I can think of a few members that would cry outrage at your post and one that would even call you a liar for stating such a thing!