no auto loans since 2008
This is why your auto scores are lower! Auto scores rely more heavily on information from auto loans and you haven't had one in so long that it probably isn't even listed on your credit reports anymore. My auto scores are higher than my normal FICO scores but I have two paid off auto loans and 2 ongoing auto loans reporting. The industry scores rely more heavily on industry specific metrics, if you have no/fewer of those metrics in your report to draw from then that will hurt you.
@precision was asking why EX was lower than TU and EQ on Auto FICO 8.
I agree with @Lou-natic that they are all lower because no recent installment history reporting, however something on EX is weighing more heavily although the @precision says there is no differences between the bureaus and no negative comments between all three. There something else in the data missing.
I applied to PenFed using the soft pull approval process.
For some reason the APR came in at less than half of what Capital One's service offered at around 7%. The terms I applied for were for a 40K used car for 60 months.
That is about what I was expecting when I first tried the Cap1 service. Unfortunately that 7% is still higher than I want but it is in line with what car loans are going for lately.
I have no idea what is going on with that Cap1 service. At least I know that if necessary I can go with PenFed or NFCU and get a decent for the economic climate rate.
Thanks you everyone for your help.