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Does DCU Use Equifax FICO 8 or FICO 5 for Used Car Loan Approval?


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I plan to use DCU to purchase a used car and was told by their CSR that they use Equifax FICO to determine approval but she didn't know which FICO model, whether FICO 8 or FICO 5.

 

I have a savings account with them and they give me a free Equifax FICO 5 score (mortgage score) each month so I assume they will use the FICO 5 but wanted to ask to see if anybody on here knows for sure based off their loan approval?

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I did a car loan through them. It seems they used FICO 5 for everything.

 

That would be great if they did because for some reason my FICO 5 is at 735 and my FICO 8 is 688.

 

Usually mortgage scores tend to be lower for most folks but mine are quite a bit higher across the board in comparison to all my FICO 8.

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