Did you get a copy of the paper that the dealer showed you?
Not all dealers use auto-enhanced scores. It is entirely possible that the dealer showed you something that may or may not be accurate. Many dealers are not above telling you that your score is low, even if its not. The finance department is a huge part of the dealers overall profit plan. If they can add a premium to your interest rate, they get a large commission on the back end of the deal.. It's best just to take that option out of the dealers hands.
It has been my experience that the F& I guy at the dealership will tell you anything to stick you with a high rate - at least that's what they tried to do to me.
Since you have a recent mortgage your scores must be fairly good. Probably more in the range that you posted and it is less likely that the auto dealer had it right.
As pointed out before, pull all three of your reports so you know what is on them. Use annualcreditreport.com to get your free reports. Then get your scores here. That way you have a pretty good idea of where you stand generally.
Then go to a credit union and get a loan before you ever step foot into a dealership. The CU will give you the terms and conditions. If a dealer can beat it, then take them up on their offer, but otherwise, you do much better at a CU. It also makes it much easier to negotiate the price of the vehicle when you have your financing in hand. That way they can't confuse the issue by discussing monthly payments - they can only discuss price and vehicle attributes.
