Reply
Member
Posts: 6
Registered: ‎06-12-2008
0

Difference between the normal credit scores we can pull out from MyFico to Auto Enhanced?

I am just wondering how much the difference would be.. My credit score right now is 645, bad history but paying as agreed now. Had a repossession 2006, but paid the charged off amount. With the repossession on my history would that make my Auto enhanced score be very low?
 
I am thinking of getting a new auto loan in the next 2 weeks hopefully on the 4th of July.. but Im scared that I will just be turned down by the dealer because of my history despite good and up-to date payments now.. :smileysad:
Valued Contributor
Posts: 1,934
Registered: ‎10-23-2007
0

Re: Difference between the normal credit scores we can pull out from MyFico to Auto Enhanced?



speedyang wrote:
I am just wondering how much the difference would be.. My credit score right now is 645, bad history but paying as agreed now. Had a repossession 2006, but paid the charged off amount. With the repossession on my history would that make my Auto enhanced score be very low?
 
I am thinking of getting a new auto loan in the next 2 weeks hopefully on the 4th of July.. but Im scared that I will just be turned down by the dealer because of my history despite good and up-to date payments now.. :smileysad:



Your Auto Enhanced score will probably be a lot lower since you have a repo, i would think altleast!
 
Yea im afraid thats going to haunt you as you apply for auto loan credit! but i am wishing you the best!
Member
Posts: 6
Registered: ‎06-12-2008
0

Re: Difference between the normal credit scores we can pull out from MyFico to Auto Enhanced?

I guess I will have to try pre-owned ones then.. I dont want to try checking on car loans first because it might just pull down my score again with the inquiries and still ending up being denied :smileysad:
 
Which car maker do you think is more lenient with my credit history? And would just look into my current payments and score. Im close to being debt free already, but I guess that wouldnt even help at all. They will still look into my bad credit history. In this part of life.. no place for a second chance.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.