SDCCU also said it found that certain auto loans were being approved in situations where policy afforded discretion for underwriters to disregard a low FICO credit score when the car dealership provided a higher alternative credit score.He added that processes such as preparing disclosures in the same language as marketing are “not just best practice but good practice.” Mr. Gibbons, who is now CEO of David D. Gibbons & Company, LLC, a consultancy, has served as an expert witness in other matters but isn’t i ...