Senior Contributor
jsucool76
Posts: 3,635
Registered: ‎12-11-2011
Re: My fico doesn't seem accurate
[ Edited ]

dianna98 wrote:
I have seen on these pages ppl discussing an auto enhanced number?? Could this be it? I'm not sure of the exact term that was used.

+1 to this

 

It is very possible that was an auto enhanced score, or a different version of FICO scoring. It is also possible that (if you pulled from myfico after the dealer) that they did a HP for the score and your score dropped a couple points. 

 

Edit: After re-reading the OP, if you took out an auto loan, this would add a new account to your CR which means a lowering of your AAoA (Average Age of Accounts) which would also contribute to lowering you score.