TU is 576 (FICO) up after Secured CC and new Auto Loan paid on time.
EQ is 623 (FICO) up above
EX came in at 669 when I applied for auto loan a month and a half ago. However, is this going to be same number seen for a mortgage? My understanding is that the Auto Loan people see something different...
Any ideas? I need to buy a house by November or sign another lease. And would way prefer to not move when it is snowing... 
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Thanks!
@sharpie wrote:EX came in at 669 when I applied for auto loan a month and a half ago. However, is this going to be same number seen for a mortgage? My understanding is that the Auto Loan people see something different...
Any ideas? I need to buy a house by November or sign another lease. And would way prefer to not move when it is snowing...
Thanks!
Auto loans use a different scoring system known as the "Auto Enhanced" score I believe, it's not your EX Fico.
The mortgage company will see a different score.
As always I could be wrong.
Best of Luck!!
@sharpie wrote:TU is 576 (FICO) up after Secured CC and new Auto Loan paid on time.
EQ is 623 (FICO) up above
EX came in at 669 when I applied for auto loan a month and a half ago. However, is this going to be same number seen for a mortgage? My understanding is that the Auto Loan people see something different...
Any ideas? I need to buy a house by November or sign another lease. And would way prefer to not move when it is snowing...
Thanks!
Are you sure they pulled an auto enhanced score? You might ask to be sure. Not all lenders do. Several years ago when I got my last car loan they pulled EX and I specifically asked them if it was an auto enhanced and they said no; just a regular EX. But this was with my local CU and dealers might always pull the AE score. I just don't know.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".