<prompt> Human: Last night I was with my buddy at a Toyota dealership to look at cars for him. The salesman asked him if he had ever had car payments before to which he replied yes and the salesman had mentioned something about having auto credit. Curious, I asked him even if someone had really good credit, but had never had a car note if that really made a difference. He said it could effect things. Im interested to get PFs opinion on this even though I personally plan on driving my car until Im 25 for lower insurance and I will be much more well off at that point and my car should be ending its useful life right around then 04 prius, dealership maintained with 170,000 miles currently. For those who care, my background is that Im 21 22 in Aug have a credit score around the 760s because Ive had credit since I was 17. Current situation is 2 credit cards with balances paid monthly, mortgage now a rental that I will most likely sell in 2 yrs and about 12,850 in student loans which will be will be closer to 21,000 when Im done in 1yr but I pay the interest weekly while in school and plan to eliminate them before making any large credit changes. Assuming my score stayed the same if not increased would the fact that I had never had a car loan really matter? What if I absolutely had to buy another car now? Thanks in advance!  <response>: Some of the other posters are incorrect as your auto loan is rated based on the FICO Auto Industry Option, not you FICO score. However it not necessarily a just a car loan as a history of installment loans can help this score as well. However your history with auto loans makes a big difference with this score.If your FICO score is only built on revolving credit you can have a 700 plus Consumer FICO score and be in the mid 600s on a FICO Auto Industry Option score. We see these pop on PF every once in while when someone has a good FICO score but cannot qualify for a great interest rate on their auto loan.Also this score has a higher cut-off for excellent than with consumer FICO score, as well as mortgage scores. You have have excellent at 740 or 760 with the consumer but with the Auto FICO you have to have a 775 to reach excellent cut-off. That is why you see 0 advertised but it uses the term well qualified buyers, you also rarely see them.You can only get this score from a dealershipbank when you apply for an auto loan, though you can purchase a version of it from MyFICO. When you go to purchase a car and they quote you a rate, always ask what your score was. FYI they just released a new version of the FICO Auto Industry Option based off of FICO 9.0 but the roll out time frame has not been announced as of yet.For more details here is a link to a sticky on MYFICO forum on it 