Why was my auto score not 850?

[JasonBourneOfCredit]

Just bought a new car. On some paperwork, the general manager pointed out that my credit was excellent (yes, I credited myfico.com forums!) and that my TransUnion Auto Fico was 795. I am greatly upset. Every single payment of my last car was paid on time, promptly, and without fail Shoudn't that mean my auto score would be the max, or 850?

[DaveSignal]

FICO is based on more than payment history, so no.

http://www.myfico.com/CreditEducation/WhatsInYourScore.aspx

[JasonBourneOfCredit]

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@DaveSignal wrote:

FICO is based on more than payment history, so no.

http://www.myfico.com/CreditEducation/WhatsInYourScore.aspx

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This score was TransUnion Auto, not a regular Fico. Thought the Auto was based on your previous Auto payment history.

[DaveSignal]

It is weighted more based on your auto history, but it is still a FICO and incorparates many aspects of your credit report.

[JasonBourneOfCredit]

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@DaveSignal wrote:

It is weighted more based on your auto history, but it is still a FICO and incorparates many aspects of your credit report.

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I see. The manager was speechless when I said, "795? That's disappointing."  lol