Just to expand a bit on what was posted above, many auto loan lenders pull a FICO auto-enhanced score. It's still a FICO score, but it has a different score range, and it weights any history you have with previous auto loans. And no, you can't buy your auto-enhanced loans anywhere.
Two suggestions:
Look at the FICO EQ score that you just pulled and tear apart the report, because the report is what creates the score. Go to screen two and look at the negatives on the left. They're what are holding down your score, listed in order with the most damaging at the top, then the next-most-damaging, and so on. Start working on those, especially the first couple. If you haven't already, check out the Rebuilding Your Credit board for suggestions on how to start. You would probably want to copy/ paste the negatives (make sure that personal info doesn't show, although it shouldn't), and add a summary of what you have on the report: credit cards --how high the credit limit and what is the reported balance, a list of your negatives --collections etc, how old your history is, and so forth. You don't even have to name names; you can call them Credit Card A and so forth.
Once you start getting your credit profile (= credit report) into better shape, look into a local credit union for lending, instead of an auto dealer. They often have better rates, and they won't shop you to a dozen different lenders, racking up inquiries on your reports.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
