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.