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Discover IT Approval Score vs BMW Financial Approval Score

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burghpa
Regular Contributor

Discover IT Approval Score vs BMW Financial Approval Score

I just got a 2014 X5 today, and what a difference a year and half makes. A big thank you to all of you here.

 

The lady at BMW dealership told me that my Experian score is really good at 733 (and got 0 down, 1.99 APR). But this score of 733 is 20 points higher than Disover EX score of 713 I received a week ago when I got my Discover IT Card. Is both a FICO score or a auto enhanced score? I asked the lady at the dealership for a copy, she said she can't share that info.

 

 

 

2013 Feb EQ: 550 | 2017 Feb EQ: 722

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bettercreditguy1
Established Contributor

Re: Discover IT Approval Score vs BMW Financial Approval Score

There are about 69 different fico scoring formulas. Generally speaking when purchasing an auto, the dealer will obtain a Fico Auto Enhanced score.

Updated scores 3/7/21 TU 849, EQ 829, Ex 818 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
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