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I pulled my TU this month and it's up to 623. I have a 4 month old car loan in good history. Today I went to Toyota to see about leasing a Prius and they say my score is 530 TU.
A 100 point difference between Auto Enhanced and regular TU??
and I should note when I got the car loan 4 months ago, my auto enhanced fico was 563, so it actually went down!!! I don't get it.
Whenever you go car shopping you should know what your FICO score is so when they pull this standard trick of understating your FICO in order to squeeze a higher priced loan from you you can call them on it. In any event I would have demanded that they give you a hard copy of the score instead of verbally giving it to you. In most instances there wouldn't be that dramatic of a difference. Sounds fishy.
They legally can not let you walk out with a credit report.
and when I bought my car 4 months ago, my TU was 602 and auto enhanced fico was 563 but I had no open car loans so I figured when I did have one, that score would improve faster than my regular since it's suppose to way so heavily on past and current car loans.
The bigger question is WHY can't I buy a auto enhanced fico, I feel like I'm dealing with EX when someone tells me such a drastically different report that I can't even see... I left steaming mad at fico
Hmm ... I went in to a local dealership clueless about my FICO score. The sales manager asked me if I had ever seen my scores, I said no, he told me they werent horrible but they were not good. He was able to get me approved after we went back and forth about a cosigner. After I heard the interest rate I said no thanks but I asked him for a copy of the report and he gave it to me.
Hmm, it does indeed sound fishy, but the only even remotely semi-plausible explanation may be
that your current car loan is very new and therefore has a high % still owed. Not likely an explanation
for such a large score variance, but thought I'd throw it out there..
actually just got the alert, they pulled an auto enhanced from EX! What, I thought toyota always pulled TU and EQ and take highest.
although I am happy that they only pulled 1