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Ex Auto Enhanced

tag
Creditaddict
Legendary Contributor

Ex Auto Enhanced

Applied for pre-approval from one of the Lexus Dealerships and they pulled EX and gave me score right away with the pre-approval:

659! OUCH

My regular EX Fico has been good for right around 710-720 from all the banks I have been getting scores from lately.

I e-mailed the dealer guy asking him to please not bounce my report around, I was only interested in Lexus Financing (we will see how that goes!)

 

Message 1 of 7
6 REPLIES 6
tonyjones
Valued Contributor

Re: Ex Auto Enhanced


@Creditaddict wrote:

Applied for pre-approval from one of the Lexus Dealerships and they pulled EX and gave me score right away with the pre-approval:

659! OUCH

My regular EX Fico has been good for right around 710-720 from all the banks I have been getting scores from lately.

I e-mailed the dealer guy asking him to please not bounce my report around, I was only interested in Lexus Financing (we will see how that goes!)

 


Surprising my EX Auto Enhanced score was around the same as EX FICO 8, probably because I have a few auto loans on my report.

 

What car are you planning to get? RC-F?

Current Fico Scores: (November 2025)
Message 2 of 7
Creditaddict
Legendary Contributor

Re: Ex Auto Enhanced


@tonyjones wrote:

@Creditaddict wrote:

Applied for pre-approval from one of the Lexus Dealerships and they pulled EX and gave me score right away with the pre-approval:

659! OUCH

My regular EX Fico has been good for right around 710-720 from all the banks I have been getting scores from lately.

I e-mailed the dealer guy asking him to please not bounce my report around, I was only interested in Lexus Financing (we will see how that goes!)

 


Surprising my EX Auto Enhanced score was around the same as EX FICO 8, probably because I have a few auto loans on my report.

 

What car are you planning to get? RC-F?


I'm looking at a used IS250-C for my partner (it's certified and they are offering 2.9%) He has always wanted a convertible and it's his birthday today (I always wanted to have one of those big red bows on a car like in the lexus christmas commercials! lol

Message 3 of 7
tonyjones
Valued Contributor

Re: Ex Auto Enhanced


@Creditaddict wrote:

@tonyjones wrote:

@Creditaddict wrote:

Applied for pre-approval from one of the Lexus Dealerships and they pulled EX and gave me score right away with the pre-approval:

659! OUCH

My regular EX Fico has been good for right around 710-720 from all the banks I have been getting scores from lately.

I e-mailed the dealer guy asking him to please not bounce my report around, I was only interested in Lexus Financing (we will see how that goes!)

 


Surprising my EX Auto Enhanced score was around the same as EX FICO 8, probably because I have a few auto loans on my report.

 

What car are you planning to get? RC-F?


I'm looking at a used IS250-C for my partner (it's certified and they are offering 2.9%) He has always wanted a convertible and it's his birthday today (I always wanted to have one of those big red bows on a car like in the lexus christmas commercials! lol


Awesome he/she will definitely love it, convertible are nice but just not for me lol

Current Fico Scores: (November 2025)
Message 4 of 7
Creditaddict
Legendary Contributor

Re: Ex Auto Enhanced

Not sure they are for me either!
Message 5 of 7
Anonymous
Not applicable

Re: Ex Auto Enhanced


@Creditaddict wrote:

I'm looking at a used IS250-C for my partner (it's certified and they are offering 2.9%) He has always wanted a convertible and it's his birthday today (I always wanted to have one of those big red bows on a car like in the lexus christmas commercials! lol


When I got my car last week, there was a big red and a big white bow sitting in an area we walked through on the way to pick up the car. Lexus did a good job making us associate those big bows with Lexus and christmas. GL!  Nice thing you're doing. 

Message 6 of 7
TRC_WA
Senior Contributor

Re: Ex Auto Enhanced

Keep your convertible... I'm happy with my sunroof.

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
Message 7 of 7
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