Do any of you know which CRA eloan's score is based on. I am looking to buy a new car within a month or 2, and would like to start considering my options. I would be a first time car buyer (I have always paid cash for my vehicles) by financing. I am a member of a small credit union who advertises rates as low as 4.5%, but that rate includes discounts for having certain services. I am wondering whether I should go through the CU or eloan or somewhere else. My EQ score is 683, EXP is 635, and eloan was 677. EX should be getting better assuming that unpaid charge off comes off my record (as it should because its not mine) because it reports as being over 150 days late. Any suggestions?
