Auto scoring isn't something customers can see, so it's hard to tell if it's higher or lower. There is a description of this in the credit 101 thread. But, from experience working in a dealership, I can tell you that it takes into account previous auto loan history, how many auto loans you currently have, debt-to-income ratio, and your "regular" credit. If the lates were 4 years ago and you're score is in the low 600s you shouldn't have a problem getting a loan unless you have alot of negative equity.
