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This is your Auto Industry Optional Score used by those looking to determine your auto loan. It is not very well known, but over 90% of all Auto lenders require this Auto Industry Optional Score to be used instead of your standard Credit Score.

The Auto Industry Optional Score is a specialized score that is used by the Auto Industry to look more closely at issues, on your credit report, that are related to your risk of possibly defaulting on your new auto loan. It is very different from your regular Credit Score.

HINT: When shopping for your new car, please know that most Auto dealers will ask you if you know your “credit score” when they are about to start your financing process. However, they will not tell you they are making their lending and financing decision based upon the much different scoring scale with their use of the Auto Industry Optional Score.

Generally, the Auto Industry Optional Score is not used on an on-going basis by your creditor to determine financial stress while your loan is still open. If it is the practice of your Auto lender to look at your credit while you have an open auto loan, they would most likely look at your regular credit score for the possibility of your sudden credit stress and risk of your defaulting on the auto loan.

*The Credit Score, Auto Score, Insurance Score and Hiring Risk Index offered on this web site are for educational purposes only. None of our Scores/Indexes/Analysis is to be used to determine or grant credit in any manner. In some cases, credit report data does not contain enough information to generate a credit score. In such cases, we reserve the right to use our proprietary credit scoring technology to give you a credit score estimate. No direct or implied guarantees of the accuracy are given to any of our scores or indexes.

This is your Insurance Industry Risk Score. It is a highly specialized score used by the Insurance industry to better understand your financial stress and find any prior defaults on insurance. This score is also used to determine if one has a propensity to make a fraudulent insurance claim due to current financial stresses.
This score is unique to the Insurance industry and might be used when you apply for any type of insurance. Generally, if this Insurance Industry Risk Score is not in your favor, it results in either higher premiums on your insurance or denial as permitted by applicable law.
This Insurance Industry Risk Score is generally not used to check on your credit status between your premium periods. For example, your Insurance company might only check this score once a year upon your renewal, or only at your initial application for insurance.
Any time you apply for Life insurance exceeding $150,000 the Insurer will check your credit and possibly use this Insurance Industry Risk Score to evaluate your overall risk and possibly deny you coverage as a result if your score is bad.
Some State laws do not permit insurance companies to use your credit to evaluate you.

*The Credit Score, Auto Score, Insurance Score and Hiring Risk Index offered on this web site are for educational purposes only. None of our Scores/Indexes/Analysis is to be used to determine or grant credit in any manner. In some cases, credit report data does not contain enough information to generate a credit score. In such cases, we reserve the right to use our proprietary credit scoring technology to give you a credit score estimate. No direct or implied guarantees of the accuracy are given to any of our scores or indexes.

This index considers many factors used by Employers in their hiring decision, if they choose to look at your credit, as part of their hiring or employee promoting needs.
This is becoming more common. Currently, over 45% of Employers in the United States use your credit, in part, to determine the validity of your resume, your stability, verify your education (via a history of student loans) and your overall credit worth.
For most employment positions paying over $75,000 annually, prospective employers will check your credit.
It is very unusual for an Employer to check your credit during your employment, unless you are up for a promotion or you are a high-security employee. In any case, an Employer must get your prior permission in order to check your credit.

* The Credit Score, Auto Score, Insurance Score and Hiring Risk Index offered on this web site are for educational purposes only. None of our Scores/Indexes/Analysis is to be used to determine or grant credit in any manner. In some cases, credit report data does not contain enough information to generate a credit score. In such cases, we reserve the right to use our proprietary credit scoring technology to give you a credit score estimate. No direct or implied guarantees of the accuracy are given to any of our scores or indexes.