There could have been multiple factors, but my guess is credit mix.  A mortgage falls into the installment type of account, but I believe it sits alone in its own category.  I don't see any reason you'd be denied outright for an autoloan, but I'd get your UTIL down ASAP.  Your scores will pop up, and you'll look more attractive to lenders.

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

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