topic Re: Auto industry fico score with negative info in Auto Loans

Auto industry fico score with negative info

Anonymous — Fri, 02 May 2014 20:39:56 GMT

How long does any negative items stay in your auto industry option score report.

Re: Auto industry fico score with negative info

Remember0 — Sat, 03 May 2014 02:19:29 GMT

Same length of time as a regular report. 7 years for baddies on accounts, 10 for BK7, 7 for BK13. Not sure how long liens or judgments stay on regular reports, but whatever it is on regular reports it's the same on the auto.

Essentially all auto enhanced is is a different FICO formula. You don't have multiple files. Uses the same file and runs it through a different formula.

Re: Auto industry fico score with negative info

Anonymous — Sat, 03 May 2014 03:32:51 GMT

Thanks

Re: Auto industry fico score with negative info

Anonymous — Sat, 03 May 2014 03:34:47 GMT

Unfortunately we the consumers are unable to have access to our own auto scores.

Re: Auto industry fico score with negative info

pizzadude — Sat, 03 May 2014 03:48:33 GMT

@Anonymous wrote:
Unfortunately we the consumers are unable to have access to our own auto scores.

Yes, there are many ( 50+ ) variations of FICO scores available to creditors, none of which we are able to purchase, with the exception of the FICO Classic Score.