FICO is one input to our models. Eliminating the separate FICO requirement opens the prospect of financing to more customers who would qualify for 84-month financing within our models. FICO qualifications are included sometimes as part of marketing programs."

Does Ford use FICO score?

Ford offers loan options for a range of credit scores, but the average customer had a 739 FICO Score in 2020. You could see if you qualify by applying for Ford Credit online.

What credit system does Ford use?

Experian or TransUnion are the primary bureaus that will be pulled most often, but we have access to all 3. hybrid2bev said: we analysts cared most about how you pay your auto loan payments. If you pay your autos perfectly then we can overlook some other delinquencies.