Utilization Question????

[UpAndComing74]

Yep,  They should update on the 10th, 13th, and 23rd.  Ill update the thread and letcha know what happens.

Thanks again!

[Anonymous]

Another thing to consider is that the dealership most likely will use an auto-adjusted FICO. Do you have any other installment loans on your report? What's their status? Do any of them have lates or repos, etc.

[UpAndComing74]

All my installment loans are Paid as Agreed.   No repos.  I have another car loan that i just paid off last month. No lates on that either. I wish they could pull and not affect my fico with the inquiry.  That way I could see what the auto enhanced score would be.

[Anonymous]

I don't have any details, but in theory those notes should only make your auto-enhanced higher than your normal FICO.

About a year ago, I had a ~680 FICO, with two auto loans on it (one closed ane one open). The closed had a couple of 30 and 60's on it, over six years old. Auto-enhanced was ~705 or so.

In other words, you might see a good bump because of your good auto accounts.

[Anonymous]

By the way, THIS thread is a good way to see what's being approved right now.