08-30-2012 05:38 PM
It depends on your auto loan history. Mine was 39 points higher than my regular FICO. I had one prior auto loan still showing on my CR. It was a 5 year loan - I was never late and the car was paid off.
09-03-2012 05:12 PM - edited 09-03-2012 05:50 PM
+1. It will vary as desribed above. If your auto loans have negatives then you can expect that your auto enhanced scores will be lower. If your payment history is good then I'd expect them to be higher than your Classic FICO score.
09-03-2012 05:25 PM
+1. It will vary as desribed above. If you auto loans have negatives then you can expect that your auto enhanced scores will be lower. If your payment history is good then I'd expect them to be higher than your Classic FICO score.
Whoa now with pretty Blue title, grats PD!
09-03-2012 10:30 PM
my auto enhanced was 14 points higher then myfico purchased directly from here.
note that i have no negatives and no car/installment loans ever. aaoa was 7.5 months with 2 credit cards being 1year 9 months and 1 yr 7 months.
|Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: 31k+
Inquiries (24 Months): EQ 8 TU 7 EX 8 | Most Recent: 09/04/2013
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
09-08-2012 02:41 PM
I was perfect on my prior car loan, and my auto enhanced was only 7 points higher than my actual FICO score.
09-08-2012 08:38 PM
With a 7 point difference, how many auto loans do you have on your CR?
I have quite a few auto loans on my CR and only one has lates, 10 of em' but that was 2 cars ago,
When I bought my 2012, my auto enhanced score seemed to be the same as my 2009 (crappy score in 2009 due to all the lates in 2008) and this doesn't make any sense to me.
My 2009 car I paid perfectly and I would have thought my score would have gone up a little by 2012. My auto score was 60 points lower than my fico score. What a bummer.
09-09-2012 06:15 AM
WOW, what a bummer! I'm telling you, you can't never win with this people, ugh!
09-09-2012 07:11 AM
Confusion is part of the game I do believe.
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