@Cloudlb wrote:
"The guy said" -- did he actually show it to you? IIt could be an auto enhanced score, or he could be lying.
They lie about your score to mess with your financing and the numbers, which is why you need to pull all your scores, print them out, and show them, after they try to scam you.
But ultimately they only get paid if you buy a car, so it is highly unprobable that they are making something up to not sell you a car . They are not doing all the paperwork and spending money on a credit report to tell you "no."
there is a huge dealer scam theory that all dealerships do this frequently and commonly. I think the fact auto enhanced scores exist helps throw fuel on the fire. The reality is yes some do this, yes you should have ran your scores yourself to compare, and yes in most cases you should be able to be shown your score if you protest enough, (but not keep the credit report you did not pay for it)
[Fico could make it easier on consumers if they sold autoenhanced scores to the public. I find it telling that they do not]
but even if you did all that, the scamming dealership will just tell you you did not "qualify" for that rate but that other rate. YOU have no idea what Chase is currently selling financing on a 610 with a high debt to income for.
And in general leases require better scores than purchases.
