Auto Enhanced Scores

[wrw0010]

Though I have had Credit it some form or other for 13 years, I have never had an Auto loan (my parents bought my first cars and I paid cash for the rest). How badly is this going to hurt me on my Auto FICOs?

I currently have

EQ 634

TU 624

EX 671

I was going to use GTE FCU because they always pull EX but I am wondering if I should try to clean up a little more before applying. If there could be a drastic reduction in my EX score due to no Auto loan history, I don't want to apply now.

[fused]

Most of the time lenders will use an auto-enhanced FICO score when applying for an auto loan. These scores might be higher or lower than the FICO scores you pull at this site. A good auto history, a higher auto enhanced score, a bad auto history the lower your scores.  I suspect since you never had an auto loan your auto scores will be lower than your regular FICO scores. For more info read Tuscani's thread below.

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&message.id=1231