Credit Card Center Advertiser Disclosure†
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: Discover Fico 709 3/15 Walmart Fico 743 4/15|
Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Earn Cash Back
|Amex Zync(Unicorn) |
Citi DC $10,000
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 07:11 AM
Confusion is part of the game I do believe.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.