First time buyers auto enhanced score

[Walt_K]

I've read that first time car buyers can have an auto enhanced score that is lower than their regular FICO.  I have no auto history, but I do have mortgage history.  Is that weighed in the auto enhanced score?  Wondering what I might see when I go car shopping later this year.

Thanks.

[Anonymous]

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@Walt_K wrote:

I've read that first time car buyers can have an auto enhanced score that is lower than their regular FICO.  I have no auto history, but I do have mortgage history.  Is that weighed in the auto enhanced score?  Wondering what I might see when I go car shopping later this year.

Thanks.

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I think mortgage should play a positive role here since that takes more responsibility to pay back than auto loan. YMMV

[FrugalRican]

Good question.

I've asked the same to a few friends. Although I have no previous car loans nor mortgages.

[Walt_K]

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@Anonymous wrote:

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@Walt_K wrote:

I've read that first time car buyers can have an auto enhanced score that is lower than their regular FICO.  I have no auto history, but I do have mortgage history.  Is that weighed in the auto enhanced score?  Wondering what I might see when I go car shopping later this year.

Thanks.

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I think mortgage should play a positive role here since that takes more responsibility to pay back than auto loan. YMMV

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Thanks.  I'll try to remember to come back and update this with my experience when we apply.  It will be a while before we apply as we don't close on our house until April 26th.