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New Contributor
Posts: 59
Registered: ‎08-30-2008
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auto enhanced scores

Does anyone know about how many more points does the dealer give you for the auto enhanced scores?

 

 

Thanks!

Valued Member
Posts: 41
Registered: ‎08-03-2012
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Re: auto enhanced scores

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. 

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Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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Re: auto enhanced scores

[ Edited ]

 

+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.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Moderator Emeritus
Posts: 10,907
Registered: ‎12-30-2011
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Re: auto enhanced scores


pizzadude wrote:

 

+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!

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
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Valued Contributor
Posts: 2,270
Registered: ‎07-23-2012
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Re: auto enhanced scores

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: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


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Valued Contributor
Posts: 1,126
Registered: ‎08-29-2007
0

Re: auto enhanced scores

I was perfect on my prior car loan, and my auto enhanced was only 7 points higher than my actual FICO score.


Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


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Frequent Contributor
Posts: 455
Registered: ‎06-08-2008
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Re: auto enhanced scores

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.

Frequent Contributor
Posts: 364
Registered: ‎04-04-2012
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Re: auto enhanced scores

WOW, what a bummer! I'm telling you, you can't never win with this people, ugh!

Read and read...and then....read some more....


Starting Score: 603 myfico EQ,648 myfico TU april 2012
Current Score: 608 myfico EQ
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Moderator
Posts: 13,571
Registered: ‎04-15-2011
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Re: auto enhanced scores

Confusion is part of the game I do believe.



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Valued Member
Posts: 47
Registered: ‎03-08-2012
0

Re: auto enhanced scores

My auto enhanced score was 43 points higher than my EQ FICO. 

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