Don't hold me to this for 100% truth but I felt like a couple years ago their was a topic about Auto Loans increase score and history every 6 or 12 months that you are in the loan... I would almost lean towards others that have said my regular fico goes up when I borrow money and then pay it off regardless of how long usually so that's why I say I can't be certain that if you did not keep a loan for more than 12 months you would see very little score increase, it should still be a positive account that will report for 10 years.
However with buying a car I have seen my EQ Fico being 642 and when I ran to Toyota would said if they can pull any 3 scores above 650 they would give me lease special on Prius, when they pulled I had like a 536 or something... I have had repo's in past so not sure if they stay on auto fico longer then regular fico because I show no balances on my regular credit report or repo, just in BK.... but clearly a HUGE score difference!
Thats why it's good to use a CU if it's possible and you know you have bad stuff on auto fico because any credit union I have used just pulls regular Fico' not auto enhanced.
