Honda lease

[pft1981]

I want to lease a Honda accord my scores are

Tu 645

Eq 646

Exp 664

My debt to income ratio is good. a few medical that are all more than 2 years old is only negative. No late payments on any loans.

Does Honda use auto adjusted scores? I have never had an auto loan so how will that affect my auto adjusted score. With this info do I have any chance?

[MarvBear]

American Honda Finance will definitely use an Auto Enhanced Fico version from one of the bureaus.

 

If you have current information reporting to your credit file within the last six months, you will have an auto enhanced score, regardless of whether there is past auto credit/lease or not.

[pft1981]

Will not having an auto history cause my auto score to be lower?

[MarvBear]

I always had plenty of auto credit. My enhanced score was always lower.