There are two main credit scoring models: FICO score and VantageScore. FICO stands for Fair Isaac Corporation. Most auto lenders use the FICO Auto Score. The FICO score has a range of 250 to 900. Therefore, the credit score that you see on your personal credit report may differ from what an auto lender may see. The FICO auto score usually differs at least a little from your credit report, as it takes into account certain risks that your regular credit reports do not.