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.)?
My Last(???) 3 Score FICO:
2/12/09: TU: 718 :: EQ: 724 :: EX: 728