Re: Auto Score ..

Anonymous · ‎04-16-2015

Why is the auto score 8 lower than the fico 8...15 points in my case. They must have other variables in their calculations. Does anyone know what they are?

TRC_WA · ‎04-17-2015

Previous auto loan history?

I'm on my 3rd. When I bought the car in January my EQ FICO was 691... auto enhanced was 707.

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

jacksont1981 · ‎04-17-2015

@TRC_WA wrote:
Previous auto loan history?

I'm on my 3rd. When I bought the car in January my EQ FICO was 691... auto enhanced was 707.

Does it matter when the previous auto loan was? Or as long as you have had a auto loan period then it counts.

Started 6/2014 EX 594 EQ 617 TU 580 FICO's Goal is 740's and up

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