auto enhanced scores

[Anonymous]

Do auto enhanced scores have a specific amount of time that the report for?  Do things drop off after a certain period of time?  I had a repo in 1998, have since paid 2 auto loans in full with one thirty day late on one of them.  Have had some collection activity in the past 5 years, so myfico scores have taken a beating.  Is it likely that my auto enhances score is higher than myfico scores?

[Anonymous]

All scores, enhanced versions or otherwise, are based upon the current information in your CR.  If you repo of 1998 has dropped, then it is not a factor in your score in any way.

A score is merely a numerical representation calculated based upon the contents of CR.  There is no memory or scoring of past items that have dropped.

Auto enhanced merely means it is a special algorithm specific to the auto lending industry that gives emphasis on your auto loan risk as opposed to general risk.  So past (still reporting) auto loans weigh more heavily than other forms of reported credit.

Also, auto loans are a "secured debt" and this is the other reason the enhanced score is different....because it is assessing secured debt risk not unsecured revolving debt risk.