A simple Answer TO yOUr Question
Why is the FICO score on my credit card app different from what dealers see?
Auto lenders use specialized FICO Auto Score models — specifically FICO Auto Score 8 or 9 — which weight your auto loan and lease history more heavily than generic FICO scores. The score your credit card app displays is usually a generic FICO 8 or VantageScore 3.0, which may be calculated differently. The two can differ by 20 to 50 points in either direction. You can purchase access to your FICO Auto Score through myFICO to see the version lenders are most likely to use.
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The Smart Buyer's Guide to Leasing vs. Buying in 2026
Discover:
✓ When to lease vs. buy
✓ Hidden fees to watch for
✓ Tax benefits for business owners
✓ Current manufacturer incentives
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