Auto enhanced fico score?

Until today I did not know there was such a thing. However I understand that this score primarily uses your history based on current and prior auto loans. What about in the case of someone who has never had a Traditional auto loan and has either paid cash or bought their cars from a buy here pay here place? Would... show more Until today I did not know there was such a thing. However I understand that this score primarily uses your history based on current and prior auto loans. What about in the case of someone who has never had a Traditional auto loan and has either paid cash or bought their cars from a buy here pay here place? Would that mean that they essentially have NO score and traditional financing would be next to impossible?
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