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Auto Enhanced Experience? Experian

Valued Contributor

Auto Enhanced Experience? Experian

Hey guys,

 

Question for those of you who have experience with Auto Enhanced scores, especially Experian.  My CU starts financing at 640 w/ Experian Auto.  Given that Experian is such a mystery, and the auto enhances just furthers that mystery, I'm wondering if anyone can speak from experience how much variance Auto might provide?

 

As you can see below my scores are a little all over the place, with EQ in the gutter at 599, TU in the middle at ~630 and EX FAKO looking artifically high at 661.

 

I have 3 collection accounts within 24-36 months on EX, and some lates sprinkled throughout.  I have an Auto loan from 06 w/ perfect history, and an Auto loan from 08 w/ perfect history.  In addition, I have two Sallie Mae accounts from 06 w/ perfect history, and an unsecured installment from TD Bank from 09 w/ perfect history.

 

The only difference between my EX and EQ/TU reports is a 6 year old charge off from Verizon.

 

Any ideas?

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
4 REPLIES
Moderator Emeritus

Re: Auto Enhanced Experience? Experian

My understanding of the autoenhanced scores is that it puts more weight into the installment accounts.  So if I am right, it should help your score.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Valued Contributor

Re: Auto Enhanced Experience? Experian

I wish EX wasn't such a mystery.

 

I'm getting bored and frustrated Shogun.  Tell me to send a couple GWs and ignore my credit for a few days.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor

Re: Auto Enhanced Experience? Experian

Ignore that last part Shogun Smiley Wink

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Highlighted
Moderator Emeritus

Re: Auto Enhanced Experience? Experian

Lol.. OK,,, Send some GWs and ignore your credit for a few days.   Scratch that.     Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.