02-01-2013 02:08 PM
02-01-2013 09:49 PM
We can only guess as to what an auto-enhanced FICO would be based on this or that event. I don't specifically know what your Harley note is doing. If scored as an auto loan (should be listed as such on your FICO report), I'd argue that the recentness of the loan is a small drain on your FICO, but that's rapidly departing. You won't know what your score is until you apply, and that's assuming they used an auto-enhanced and also assuming they'd pull the same report you pulled to get the 601.
02-02-2013 04:55 AM
02-02-2013 07:12 AM
Thank you. Is there a way to check with them without the hard hit? Does it help that I've had my CC with them and been very good with utilizing and paying early/on time?
Not likely. Consumers can't pull an auto-enhanced FICO from anywhere without the help of a lender. There are some banks and CUs out there though who can use a soft inquiry to see if you are pre-approved, though they don't usually use an auto-enhanced FICO.
Having other credit with the lender may or may not help. It's a YMMV per lender.
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.