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?
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
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Lol.. OK,,, Send some GWs and ignore your credit for a few days. Scratch that. 
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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