Sheffield Financial?

[CJIII1983]

I am wondering what credit score do you need to get approve with Sheffield Financial, Its seems like it is hard get a loan from them, I was denied but I dont understand why I was approved for a auto loan and I am in post chapter 7 bankruptcy discharge from last December, I also have three credit cards that I am trying to use to rebuild my credit.

[NickiB983]

Call them and they will tell you.  My scores are in the low 7s but, according to them, my score is 634 so they denied me.  I have no clue what score they're looking at, Bc I don't see that score anywhere. 

[jdf_13]

Did you get an answer on Sheffield's data points?

[gingerflower]

@CJIII1983 

Last year I applied with Sheffield Financial for a Utv 4x4 was approved with a 760 score on Equifax . I cancelled the app bcuz the interest rate was ridiculous ..12% 

[CJIII1983]

Have not  tried lately. Going to get my part time business started first

[CWESTL]

I've been eyeing an Exmark Zero Turn mower as an upgrade for a year or so and decided to apply for the 0% for 48 months special financing offer with my purchase. I was approved with 0% for 24 months or 0.99% for 48 months. Sheffield Financial pulled my TransUnion credit report which presently reflects a FICO score of 725. However, Sheffield Financial's loan documents outline the scoring model they use indicates my TransUnion score is 675. I chose the the 0.99% for 48 months financing option. I took the mower for a test cut on a few lawns and am happy with the purchase. Hopefully, this information provides a helpful data point.