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New FICO Scoring For Auto Loans Exempts Paid Medical

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The credit bureau and credit scoring agency announced the creation of FICO Auto Score 9 XT last week. Like FICO Auto Score 9, it caters to the auto industry. The difference between the scoring methods lies in data. Auto Score 9 XT uses TransUnion’s CreditVision trended data.


The new score also disregards collection agency accounts that have been paid off and differentiates unpaid medical accounts that have gone into collections from unpaid nonmedical accounts that have gone into collections.


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