Tractor company Fico models?

[Anonymous]

Anyone here know which scoring models any of the major tractor companies use? I.E. John Deere, Kubota etc. maybe there has been someone recently approved and can vouch for the scoring model (auto scores, Fico 8, 9 etc) used. I’m just trying to get the best deal and I have searched with no answers. All I’ve found are general credit score topics but none actually state which model was used.

[Anonymous]

What's the application, Farming, Grounds keeping/maintenance or Commercial? Or just a personal lawnmower?

The latter can be bought at Home Depot or Lowes etc. So I'm guessing not that.

You would likely have to go into your local dealer, and speak with a Finace officer. Typically they go on your business credit.

John Deere Contact info

Kubota contact info

[Anonymous]

John Deere uses Fico8 TU score it a hidden trade line. HP for the app for me with 694TU score instant approval $15,000. The installment loan option with them is another option but the 1.99% for 60 months was perfect for me and my new gator 825i

[Pikaboo-icu]

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@Anonymous wrote:

John Deere uses Fico8 TU score it a hidden trade line. HP for the app for me with 694TU score instant approval $15,000. The installment loan option with them is another option but the 1.99% for 60 months was perfect for me and my new gator 825i

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YES!

Thank you for that..

I'm soon to be shopping for a new tractor (not lawn mower lol). My husband wanted MF or NH but I want a Deere.. This info may help him see things my way. That & the fact I will be apping for the credit lol.

CHEERS

[dynamicvb]

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@Anonymous wrote:

John Deere uses Fico8 TU score it a hidden trade line. HP for the app for me with 694TU score instant approval $15,000. The installment loan option with them is another option but the 1.99% for 60 months was perfect for me and my new gator 825i

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Please define a hidden tradeline. Are you saying if you finance one of these it won't show up on your report except for the HP? I'm thinking of getting me a subcompact with multiple accessories, so just curious as to how it may work out.

[FinStar]

Correct. A "hidden" tradeline is one where it's history or elements will not be "displayed" or reported, unless the account becomes in default.

[Anonymous]

Thanks for the excellent info sawyerfarms! This really helps.

[Anonymous]

John Deere is not inquiry sensitive from what I experienced I had 13 new accounts and AAoA was just 1 year 3 months when applied. Instant approval and no POI asked for. Income of 62k, was super easy process. 

[Anonymous]

Wells Fargo(Bobcat)and CNH used Equifax, not sure precisely on version,believe JD used TU.
Takeuchi and Caterpillar used Experian in my case , hope this helps,

[Anonymous]

Also don’t believe any report on my personal cr,