Re: auto enhanced scores
08-30-2012 05:38 PM
It depends on your auto loan history. Mine was 39 points higher than my regular FICO. I had one prior auto loan still showing on my CR. It was a 5 year loan - I was never late and the car was paid off.
Current Score: 712 EQ, 761 TU
Goal Score: 800
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Re: auto enhanced scores
[ Edited ]09-03-2012 05:12 PM - edited 09-03-2012 05:50 PM
+1. It will vary as desribed above. If your auto loans have negatives then you can expect that your auto enhanced scores will be lower. If your payment history is good then I'd expect them to be higher than your Classic FICO score.
Re: auto enhanced scores
09-03-2012 05:25 PM
pizzadude wrote:
+1. It will vary as desribed above. If you auto loans have negatives then you can expect that your auto enhanced scores will be lower. If your payment history is good then I'd expect them to be higher than your Classic FICO score.
Whoa now with pretty Blue title, grats PD!

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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Re: auto enhanced scores
09-03-2012 10:30 PM
my auto enhanced was 14 points higher then myfico purchased directly from here.
note that i have no negatives and no car/installment loans ever. aaoa was 7.5 months with 2 credit cards being 1year 9 months and 1 yr 7 months.
| Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13) Starting total revolving credit: $2600 | Current total revolving credit: $21,600 Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012 | Freedom Signature Costco:True Earnings | Amex Zync(Unicorn) Chase Freedom$1500 Citizens Mastercard$5000 |
Re: auto enhanced scores
09-08-2012 08:38 PM
With a 7 point difference, how many auto loans do you have on your CR?
I have quite a few auto loans on my CR and only one has lates, 10 of em' but that was 2 cars ago,
When I bought my 2012, my auto enhanced score seemed to be the same as my 2009 (crappy score in 2009 due to all the lates in 2008) and this doesn't make any sense to me.
My 2009 car I paid perfectly and I would have thought my score would have gone up a little by 2012. My auto score was 60 points lower than my fico score. What a bummer.
Re: auto enhanced scores
09-09-2012 06:15 AM
WOW, what a bummer! I'm telling you, you can't never win with this people, ugh!
Current Score: 608 myfico EQ
Goal Score: 660 myfico EQ july 2012??
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Re: auto enhanced scores
09-09-2012 07:11 AM
Confusion is part of the game I do believe.
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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