As much as auto-finance underwriting has become sophisticated, a potential starting point to determine if the applicant will be offered an installment contract is the credit score. Shams Blanc, who is vice president of auto scores at FICO, described the ongoing evolution of credit scores during this episode of the Auto Remarketing Podcast. Blanc also revisited a project conducted earlier this year with Cox Automotive that examined the dynamics of changing scores amid student loans and delinquency, as well as how much more cognizant consumers are about their credit status.