Equifax 595 and Transunion 669

Anonymous · ‎08-30-2010

Hi everybody,

I enjoy this forum and thanks a lot to all of you for your time. I want to purchase my new car and I just found out that my Equifax is 595 and Transunion is 669. How that is possible? Why that big difference? What kind of chances I have for good interest rate? Thanks

Creditaddict · ‎08-30-2010

most car dealerships pull TU for car loans, some companies pull TU and EQ like Toyota, but they will go with your highest.

but have you seen what info is on EQ that's causing this difference

Anonymous · ‎08-30-2010

If there is nothing you can do that can raise your scores in the short term, I suggest finding a Credit Union that pulls TU only. Also, there maybe a chance that the scores you pulled could have been FAKOs if not pulledfrom myfico/transunioncs/equifax's website. Or maybe the dealer used an AUTO-enhanced fico score and that score was lower than your Beacon Fico scores.

Anonymous · ‎08-31-2010

Thank you guys,

I check Eq. on credit.com and Transunion here at myfico.com. I just paid for Eq. as well and it show me 639.

chasmith · ‎08-31-2010

I did some online apps and then the dealer caused a further spree July 29/30. I found very little use of TU - only Apple FCU pulled TU.

Equifax was most common - NFCU, USAA, Chase, Suntrust, Americredit, American Honda, Nissan Motor Credit (NMAC), and Wells Fargo.

Ford Motor Credit pulled only Experian, twice.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge

Anonymous · ‎08-31-2010

@chasmith wrote:
I did some online apps and then the dealer caused a further spree July 29/30. I found very little use of TU - only Apple FCU pulled TU.

Equifax was most common - NFCU, USAA, Chase, Suntrust, Americredit, American Honda, Nissan Motor Credit (NMAC), and Wells Fargo.

Ford Motor Credit pulled only Experian, twice.

I believe the CRA pulled varies by geographic/region. I'm in CA and when I ran various online applications and at the dealership, the majority of them pulled EX.

EX Online: up2drive, Chase, Capital One, BOFA, (various lending tree lenders)

EX via dealership: Volkswagen, Capital One, Chase, Toyota Motor Credit

Capital One, Chase and VW hard pulled all 3 CRAs. I had three pulls from EQ/TU while EX had 9 pulls during that period.