When buying a car most people don’t know their credit score is not used to determine their car loan. Instead, a different score is used. It’s something called an Auto Industry Option Score (‘Auto Score’).
A summary of why your FICO score used by an auto lender is different than the FICO score used by other lenders
The auto score is a very popular alternative to the standard credit score and it is important consumers understand who can look at it.
The insurance industry uses your credit report to generate a unique score for their insurance underwriting and claim management. This is called an Insurance Score.