As some of you may know, my wife and I were pre-approved for two car loans through her CU. Anyway, when we went to the dealerships they had to pull our credit again...I think there has been a lot of discussion about this in the recent past so I will not waste your time. Anyway, I got to see my EX FICO score. It was 711!!! My CE score is only 661? The only thing I can think of is that I have a paid off car loan and the score is derived from the auto model. Either way, I was very happy.
Baday, the same thing happened to me. I was paying cash for the car, but they said they still had to take the report. And mine was higher as well.
Exactly how did they justify pulling a report on you when you were paying cash? It seems to me it's none of their business.
