I think you have two problems here 
.
1) The scores you're receiving daily, are almost certianly FAKO's. The places to get EX outside of a lender pull are few and far between, and do so monthly anyway.
2) The scores the VW dealership pulled are also auto-enhanced (99+% probability), which dependant on your prior auto history (or lack there potentially) can be substantially off by 50 points or more than one's normal Classic FICO.
If you're really curious as to where you're at, I'd suggest making the EQ pull from here which is probably the most realistic barometer of our FICO that we easily have access to. Real FICO '04 pull, EQ Beacon 5.0 Classic in this case. Sadly most other scores one can find are for "educational" use... read: makes CRA's and others money, rather than being truly representative of your actual credit score as used by lenders.
@Anonymous wrote:So, how would I see what they see. So that I can fix those unaccurates quickly
Not quite certain what you're asking for here, my apologies; however, the report *data* is the same in all cases. If you have access to the data (either paid with your service) or through any other mechanism such as Credit Karma gives you access to most of the TransUnion (TU) report data, then you can see what's on it specifically.
The indivual scores, especially the auto-enhanced ones, we don't have access to. All the scores though simply take the report, and then run it through their specific algorithm. Different algorithms weight things differently though... frankly it's overly complicated but in general any report service can show you what you need to work on, and the forums here are excellent for getting advice as to how to approach different things.
@Revelate wrote:
@Anonymous wrote:So, how would I see what they see. So that I can fix those unaccurates quickly
Not quite certain what you're asking for here, my apologies; however, the report *data* is the same in all cases. If you have access to the data (either paid with your service) or through any other mechanism such as Credit Karma gives you access to most of the TransUnion (TU) report data, then you can see what's on it specifically.
The indivual scores, especially the auto-enhanced ones, we don't have access to. All the scores though simply take the report, and then run it through their specific algorithm. Different algorithms weight things differently though... frankly it's overly complicated but in general any report service can show you what you need to work on, and the forums here are excellent for getting advice as to how to approach different things.
+1. Without knowing more about what is negative on your reports, it's difficult to give you much advice. You should try posting more details in the rebuilding forum. But one thing I note is you said you have no credit cards. Adding at least one credit card is likely to improve your score. With your current scores, you're probably going to have to start with a rebuilder card. I'd check the preapproved offers on Capital One's website, and perhaps consider a secured card from Capital One or Bank of America.
Starting Score: ~500 (12/01/2008)