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Posted in Auto Loans
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Question By
habbyabhi

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Insufficient Credit Score for Auto Loan
Hi,
I have excellent score here in credit karma. But in fact, as its been 4 months in US, my credit history is not generated. when i apply for an auto loan, it gets rejected stating "insufficient credit history"

Do you suggest any credit union which may entertain such requests, btw my income to debt ratio is 0%

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Credit Karma Team
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Hello!

Four months is not a very long credit history. Some credit models require six months of history before they can calculate a score. It depends on the bureau and credit model the lender is using to make a decision. 

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