02-28-2008 06:40 AM
I had a repo, about 9 years ago, and it is not showing up on my current FICO reports. Will it show up on an Auto FICO? From what I have read it will not, is that a correct assumption? ~thanks!
02-28-2008 08:10 AM
02-29-2008 06:36 AM
will it be at all based off your classic FICO? or just off the fact that you have no auto history?
08-08-2008 10:52 AM
08-08-2008 11:35 AM
08-22-2008 08:52 AM
04-29-2009 05:11 PM
Somewhat similiar to your question (which is months old) - I have pretty awful FICO scores (580s) that I'm working on. I'm actually not in debt at all any longer, my problem is opening new lines of credit.
I have probably never missed a car payment, and I have 3-4 paid off autoloans listed on my Fico - I'd like to purchase a new vehicle, I can most defintely afford one - I'm very curious how different my Auto Industry Option is from my regular FICO. It's kind of ridiculous that we can't view it!
05-28-2009 09:25 AM
So, can anyone give a guesstimate as to how much difference there is between the regular FICO score and the Auto Industry score, point-wise I mean? My Equifax is currently 740, but I do not have any previous auto loan history. I'm looking to buy a new car, but I don't want to get rejected for a loan. I have CC debt of $3200, but will pay it off in July. I only have two CC's. Any help?
05-28-2009 11:56 AM
05-28-2009 03:30 PM
how far back can auto loan history go?
I have a car now that the auto loan still shows on my credit report but was paid off back in december of 2006...4 1/2 years no late payments but I have had 5 other auto loans that were all paid in full with no lates whatsoever.but we are going back many years..if the loans are not on my credit report any longer is there anyway to pull my auto loan history without them being on my report other than getting a loan from one of these prior banks?
also as far as credit card balances how bad do having balances that are high hurt you on an auto loan? even if they are all on time payments with no lates? I know I should just pay them off and then apply for a car loan but I may not be able to wait that long ?
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.