@Anonymous wrote:
Is there anyway to check auto fico, and how can I raise it? Ty.
No, sadly.
As for raising it, finance your cars... also it's been theorized that a mortgage or personal loans help auto-enhanced scores too by a pair of F&I guys who see Auto-enhanced scores all the time though they've also theorized student loans do not.
If you don't have a prior auto loan, and certainly if you don't have any prior installment history, expect your Auto-enhanced scores to be non-trivially lower. "First time buyer penalty," it sucks. That said, you can apply at some lenders who appear to underwrite auto loans on basic FICO scores, vis a vis DCU and Beacon 5.0, so it can be done without prior auto history and without having a brilliant auto FICO... but often people with good auto history, tend to have a higher Auto-enhanced score than their baseline.
Personally I just have a pair of closed auto loans and a pair of open secured installment loans, and whenever I need to finance a car again, will simply optimize my report same as I would for any other pull, and roll the dice on that.
