Auto enhanced is the version of peoples credit bureaus that car dealers and lenders look at, it is slanted towards all installment loans not just vehicle loans.
So if you have had loans for a home, computer, furniture, personal loans or any type of installment accounts your score will be higher then a standard bureau will show.
Even if you have no installment accounts you would still have a score based on any revolving accounts you might have.
Now if you have no accounts of any kind then your score would be a 0.
This doe's not mean that you won't be able to buy, it just means that you will have to make a larger down payment and pay a higher interest rate.
Finance Manager for a car dealer for over 9-years.