Quick Answer
FICO Auto scores are industry-specific models that weight auto-loan history more heavily than general-purpose FICO scores - and can return different numbers than the consumer's 'general' score.
Key Takeaways
- Auto-loan history weighs more heavily.
- Range is 250–900, not 300–850.
- Used by most auto lenders.
Why Auto Lenders Use a Different Model
Specialized models tune predictive power for the specific kind of credit being extended, improving risk assessment for auto-specific defaults.
Frequently Asked Questions
Can my auto score be different from my general FICO?
Yes - different weighting and a different scale mean the numbers are not directly comparable.