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

Member

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.. Smiley Sad
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Valued Contributor

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.. Smiley Sad



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!

I'm not a kid anymore, I've done a lot of growing up! Smiley Happy
Starting Scores Sept '15- EQ-555, TU-542-EX-536
Current Scores as of June '16 - EQ-592, TU-635. EX-629
Gardening since June2016
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Member

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 Smiley Sad
 
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.
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