topic Re: auto enhanced scores in Auto Loans

auto enhanced scores

2009 — Thu, 30 Aug 2012 15:47:23 GMT

Does anyone know about how many more points does the dealer give you for the auto enhanced scores?

Thanks!

Re: auto enhanced scores

Lynnst — Fri, 31 Aug 2012 00:38:31 GMT

It depends on your auto loan history. Mine was 39 points higher than my regular FICO. I had one prior auto loan still showing on my CR. It was a 5 year loan - I was never late and the car was paid off.

Re: auto enhanced scores

pizzadude — Tue, 04 Sep 2012 00:50:43 GMT

+1. It will vary as desribed above. If your auto loans have negatives then you can expect that your auto enhanced scores will be lower. If your payment history is good then I'd expect them to be higher than your Classic FICO score.

Re: auto enhanced scores

Revelate — Tue, 04 Sep 2012 00:25:06 GMT

pizzadude wrote:

+1. It will vary as desribed above. If you auto loans have negatives then you can expect that your auto enhanced scores will be lower. If your payment history is good then I'd expect them to be higher than your Classic FICO score.

Whoa now with pretty Blue title, grats PD!

Re: auto enhanced scores

creditnocash — Tue, 04 Sep 2012 05:30:34 GMT

my auto enhanced was 14 points higher then myfico purchased directly from here.

note that i have no negatives and no car/installment loans ever. aaoa was 7.5 months with 2 credit cards being 1year 9 months and 1 yr 7 months.

Re: auto enhanced scores

John060675 — Sat, 08 Sep 2012 21:41:17 GMT

I was perfect on my prior car loan, and my auto enhanced was only 7 points higher than my actual FICO score.

Re: auto enhanced scores

Scuba — Sun, 09 Sep 2012 03:38:16 GMT

With a 7 point difference, how many auto loans do you have on your CR?

I have quite a few auto loans on my CR and only one has lates, 10 of em' but that was 2 cars ago,

When I bought my 2012, my auto enhanced score seemed to be the same as my 2009 (crappy score in 2009 due to all the lates in 2008) and this doesn't make any sense to me.

My 2009 car I paid perfectly and I would have thought my score would have gone up a little by 2012. My auto score was 60 points lower than my fico score. What a bummer.

Re: auto enhanced scores

golo — Sun, 09 Sep 2012 13:15:23 GMT

WOW, what a bummer! I'm telling you, you can't never win with this people, ugh!

Re: auto enhanced scores

Shogun — Sun, 09 Sep 2012 14:11:57 GMT

Confusion is part of the game I do believe.

Re: auto enhanced scores

Snoopy7 — Sun, 09 Sep 2012 14:31:30 GMT

My auto enhanced score was 43 points higher than my EQ FICO.

Re: auto enhanced scores

infoseek2012 — Tue, 18 Sep 2012 00:59:36 GMT

Wow! I guess the increase can be a GREAT advantage as it can push you into a higher financing tier. I know that mine will be higher since there are many good auto loan histories I have had over the many years I have owned cars!