How do you choose which credit score to use?

During pre-approval, we typically use the Experian FICO-II credit score from Experian. This is a soft credit check and won't affect your credit score. If you apply with a co-borrower, we use the lower of your two scores.

When you want to continue with your loan application, with your authorization we pull your credit scores from all three major credit bureaus (Transunion, Experian, and Equifax) and use the median of the three scores received.