So my current Transunion FICO score is 735. Auto enhanced (per myfico) is 742 (TU08) and 663(TU04).
Traded in my old Nissan for a 2016 model and signed the lease. All was well, but when I met with the finance mgr and they gave me my score, it was 638?!?!? Despite that low score (Tier 3), I qualified for Nissan best financing (Tier 1)? I asked the finance manager what was up with that, and she said she had no idea, but when they sent my info to NMAC, I qualified for Tier 1. I guess I'm not complaining, but it was a little jarring seeing my score so low (haven't been in the 630s in a few years.
Anyone know where such a low score would come from? Is there an older version than TU04 still being used out there?
