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
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✓ When to lease vs. buy
✓ Hidden fees to watch for
✓ Tax benefits for business owners
✓ Current manufacturer incentives
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Testimonials
What Our Customers Say
People come for the number. They stay for how easy we make it.
Great experience with Vantage. Was able to avoid the hassle of going to multiple car dealerships and the service was great. They Dropped off my new car, picked up my trade in and handed me a check. Will definitely use them in the future.
Great experience with Vantage. Was able to avoid the hassle of going to multiple car dealerships and the service was great. They Dropped off my new car, picked up my trade in and handed me a check. Will definitely use them in the future.
Stephen Stanton
alexandra monard
We just bought our 3rd car from Dave and his group. They make it so easy not having to go to a dealer, I wouldn't do it any other way. You tell them exactly what you want, they find it, get you a great deal and deliver it.....need I say more!!! Dave is a true professional.
We just bought our 3rd car from Dave and his group. They make it so easy not having to go to a dealer, I wouldn't do it any other way. You tell them exactly what you want, they find it, get you a great deal and deliver it.....need I say more!!! Dave is a true professional.
John Pepe
Lorraine Anacker
After 30 years of car buying this has been the best experience I’ve had. Sean has been helpful, resourceful and easy to work with. I’ll never go back to the archaic dealership process again.
After 30 years of car buying this has been the best experience I’ve had. Sean has been helpful, resourceful and easy to work with. I’ll never go back to the archaic dealership process again.
Jeremy Scheinker
I’ve never used a broker to buy a car before and honestly, I was skeptical. But after this experience, I’ll never step foot in a dealership again. I have a demanding job with very little free time, so I simply texted David exactly what I wanted—and that was it. The entire process happened while I was in back-to-back work meetings. I never even had to pick up the phone! It was completely stress-free and I couldn’t be happier with my Maserati Grecale!
I’ve never used a broker to buy a car before and honestly, I was skeptical. But after this experience, I’ll never step foot in a dealership again. I have a demanding job with very little free time, so I simply texted David exactly what I wanted—and that was it. The entire process happened while I was in back-to-back work meetings. I never even had to pick up the phone! It was completely stress-free and I couldn’t be happier with my Maserati Grecale!
Kelly Winch
Kris
David Giglio
David made a seamless transaction without the hassle of going to the dealer. Located the truck I wanted and delivered it on time. Signed the paperwork which took 5 minutes and the professionism was top notch. It's rare these days that you get someone who's responsive and didn't put you through an automated response. Answered all my questions promptly and made sure I received the truck I was looking for.....Was a pleasure!
David made a seamless transaction without the hassle of going to the dealer. Located the truck I wanted and delivered it on time. Signed the paperwork which took 5 minutes and the professionism was top notch. It's rare these days that you get someone who's responsive and didn't put you through an automated response. Answered all my questions promptly and made sure I received the truck I was looking for.....Was a pleasure!
Brian Lopazanski