which ever ones that the CU and Ford finance uses to check your credit.
when we bought our truck last year we got 0% finance from Ford credit.when the dealerships finance guy ran our credit he told us what it was at that time(very high 800's)
when we bought our TT this last month the CU finance guy told us what our score was(still in the upper 800's)
so thats what they told us,not what we can look up on line on those so called credit rating sites.
the wife and i make a pretty good living (combined incomes).
until we bought our truck last year we only had a our mortgage and utilities for debt.no credit card debit at all,not even to this day.
we do use CC but they get paid off right away when we do use them.
we have never taken a loan to term yet,and dont plan on it.
my wife is very good with handling finances
if it were me we would be broke,but i would have a heck of a lot more guns and toys than i do lol