The dealer allowed me to pick which one they pulled since I had all 3 locked with a security freeze. I asked them if EX was OK, they said sure. I had last ran my true FICO score back in Nov 2008 when they were still available and it was 815 out of 850. My auto-enhanced FICO at the BMW dealer was 817 out of 950 on October 2009.
As you should know, dealers don't use the same risk model as credit cards and/or mortgage lenders. I'm guessing my score was exactly the same under the auto-enhanced FICO since I didn't have any cars on my credit report since I had paid cash for the last 3 cars.
I think if they were to pull my score 1 year after I've been making perfect payments on this car loan, my auto-enhanced score should be 900+.
