Have you talked to the CU about Auto Loans?  Mine told me they have a minimum credit score, so it was at least straightforward.

As for pulling EX for auto loans...Any particular reason why? Frustrating because EX is the only FICO we can't get, then add in the Auto Enhanced and it's a crapshoot.

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013

2013 Goals: New Car 700 Club AMEX Member

AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800