I understand that on a home loan/mortgage, a lender uses the middle of average FICO score. For auto financing, does the auto financing company (dealer, bank, CU, etc.) do the same (take an average of your AutoFICO scores) or do they rely on a specific CRA? For example TU and EQ show my previous Ford Credit accounts (all up to date and paid on time 
), where EX does not show ANY of my past auto accounts. If a lender only looks at EX, am I in trouble (with higher rates, a higher possibility of denial, etc.)?
), where EX does not show ANY of my past auto accounts. If a lender only looks at EX, am I in trouble (with higher rates, a higher possibility of denial, etc.)?
I plan on doing that - printing out my credit reports, not telling them I have them, and see what they say first. If I don't like what I hear, it's time to quote from the classic "Blazing Saddles":
"Excuse me while I whip this out!!"
"Excuse me while I whip this out!!"
Most car dealerships pull Equifax. I have never heard of a car dealer pulling Experian. But that has been my experience.
Starting Score: TU 477 EQ 533 BK 1/27/2012