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uncg_girl

Auto Enhanced Score

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Probably only someone is a similar position to myself has access to the auto enhanced score models, and there are several different versions of even them floating around.

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I got mine, but it cost me an inquiry. Went to car dealer and after they pulled my credit told me what mine were. I haven't pulled my FICOs since before I bought my house and got new CC with big credit line, so have no clue whether auto enhanced is lower or higher.

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With an Auto-Enchanced FICO, will having one or more perfect auto loans mean that my scores might be even higher than regular FICO scores? Meaning, does "enhanced" mean that those auto loans get weighted more heavily than they normally would? And does the time passed since auto loans were paid off mean anything?

 

Just trying to get a feel for what to expect when we head off to purchase a car in a few months.

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I think Auto-enhanced looks more at your installment loan payment history than your revolving account history.

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