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I applied for a car loan today. My EQ 04 score is 699. 700 needed for the best rate. That cost me .75%.
Funny thing is, I was told that my last auto loan with them was at the best rate. Same score. Maybe their criteria changed over the course of a few months.
Locked to direct others to discussion on same topic:
http://ficoforums.myfico.com/t5/Auto-Loans/Missed-the-best-rate-by-1-point/m-p/3407205