Auto enhanced credit scores, tradelines and auto loan approvals.

by Robert / 03 October 2013 / 4 Comments

“Auto enhanced credit score?”, you will ask. Yes, it might be news to many of you to find out that there is a auto enhanced credit score generated to find out your “auto loan worthiness” is different from FICO score. Quite often we get calls or emails from clients that are looking to get tradelines for the purpose of getting approved for an auto loan. We recently wrote about the many different credit scores available. Here, we will discuss your auto enhanced FICO score, or any auto enhanced score for that matter (such as the widely used Beacon auto enhanced score).

Before we talk about your auto enhanced credit score, let’s back up for a second…

Prior to purchasing tradelines, we offer a free credit report analysis. We do this because our goal is to help clients while selling tradelines.  We do not irresponsibly sell tradelines to everybody regardless of whether or not tradelines would help achieve their goals. We want to make sure, first, that you make a wise decision when buying tradelines and proper credit report analysis followed by an appropriate tradeline recommendation is a very important link in this chain.

Okay, moving on to your auto enhanced credit score.

Most people, like you, are aware that you have a FICO score. And, you might even know the factors (payment history, average age of accounts, etc.) that affect your FICO scores. You might be surprised, however, to find out that there is a difference between standard FICO scores and “auto enhanced credit score”.

What is an auto enhanced FICO credit score?

It is called an auto enhanced credit score or enhanced beacon score.  Not only is it calculated differently, but also different things affect it. For example, revolving accoutns (like credit cards) have the largest impact on your FICO score whereas your past payment history on auto loans or leases tend to influence your auto enhanced credit score (like an auto enhanced Beacon Score).

What does that mean for you when looking into purchasing tradelines?

Depending on the existence and quality of your previous auto loan or lease history, tradelines may or may not be a good option to get your auto enhanced credit score ready for an auto loan. So, let’s just stop right there. If you talk to a tradeline company and without looking at your credit report they say “Yes, absolutely, adding tradelines will get you approved for an auto loan”, well… you now know they’re lying to you. You know this because it’s impossible to know if tradelines would work without looking at your report first. With that in mind, here are a few questions you should ask before you consider adding tradelines to your credit report in your effort to get approved for an auto loan:

    • Have you ever had an auto loan before?
    • Do you have any late payments on your previous auto loans?
    • Have you ever had your vehicle repossessed?
    • Have you had an auto loan account sent to collections?

If you answered “yes” to at least one out of the last 3 questions, then you may or may not benefit from the authorized user tradelines. If any of the auto related late payments, collections or repossessions happened within the last 6-8 months, tradelines are NOT the right option for you.

So, what can authorized user tradelines do for someone with an auto loan goal?

Authorized user tradelines can powerfully boost your FICO score because they represent a revolving account group. However, they don’t have enough weight to overcome the negative impact of your negative auto history when the auto enhanced credit score is calculated. In such situations your money would be better spent on credit repair rather than tradeline purchase.

About the author:


Robbie is a founder and co-owner of Superior Tradelines. Robbie focuses on business development and is known as the "ideas" guy. Robbie established policies and regulations for the company. You can contact him by calling 800-431-4741 or email him at


  1. Jim says:

    I had an auto loan go to collection but I have settled with this collection agency. Would I still benefit from trade lines?

    • Robert Robert says:

      Jim, I assume when you say “benefit from tradelines” you mean would tradelines help you get an auto loan? It wouldn’t hurt, but the real question is how much would it help. It depends on a few things. 1) how long ago was the collection? 2) how long ago was it settled? 3) how is it reporting on your credit report? There are many, many other questions that we’d need to answer. But, one recommendation is to determine if it is reporting correctly, and if not, dispute it with the credit bureaus and hope it is deleted for the lender’s failure to report accurate information to the credit bureaus. All of this stuff is important because “auto enhanced” credit scores consider previous auto payments and history much more than revolving accounts (authorized user tradelines). So, yes, you would benefit if you define benefit as your score going up. But, maybe no, if you define benefit as securing a new auto loan with favorable rates. Give us a call so we can discuss in more detail at 800-431-4741

  2. RM says:


    I have a repossession showing on my report as a charge off that occurred back in 2009 and only shows on my Equifax report. (which is always used in Florida). Will tradelines work for me in accordance with Auto enhanced FICO?

    • Kate Kate says:

      Hello RM,

      To answer your question – it depends on how the repossession is currently reporting on your credit report and what other items might be affecting your credit report.
      Please feel free to call our office at your convenience so one of our specialists can discuss it with you in detail.


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