I recently had every late deleted from on Equifax from my Capital One Auto account, and it now shows a perfect payment record for more than 30 months. Along with that, I have a closed account from HSBC auto that shows a two year perfect history. In addition, I now have a three-year perfect payment record with Countrywide Home Loans.
So how in the world did I not score above a 500 FICO using an "auto enhanced" system?
I'm totally confused. Any suggestions or feedback?
Yes, Tuscani... it was Roadloans and they said they were using a auto enhanced system. I have no idea why my score wasn't higher, auto enhanced or not. My Experian FICO is 542 and my TransUnion FICO is 585.
I'm clueless, because the info on my Equifax is actually BETTER and more positive than the other two bureaus.
Hmm.. Not sure. Your auto score should have been higher. Without actually seeing your reports, I can only assume they didn't actually use auto enhanced... actually, it is called "Beacon 5.0 Auto Industry Option".