Established Member
Posts: 13
Registered: ‎02-27-2013

So confused about auto FICO scores

They ran Experian and Transunion - I got 740 on Experian and 640 on TransUnion.  Seems nuts.  They are using the higher one, so it doesn't really matter, but the discrepancy is huge.

Established Contributor
Posts: 972
Registered: ‎02-18-2014

Re: So confused about auto FICO scores

Have you pulled either report and compared them side by side, it's possible something is reporting that should not be. 

Amex PRG - Amex ED - Chase CSP - Chase Freedom - Discover IT - Barclay Ring - Barclay Financing Visa - NFCU cashRewards - EnergyOne CU Visa - Walmart - Best Buy - Buckle Store - State Farm Student Visa - $34K Truck loan @ 2.7%
Valued Contributor
Posts: 1,288
Registered: ‎02-12-2014

Re: So confused about auto FICO scores

There's something up. Explicit is right: you should pull your reports and compare them. There's something (some kind of baddie to be specific) on TU that's not on EX, I can almost guarantee it.

As I am very busy with work these days, I am participating in the forums less than I would like to. Please feel free to email me directly remembermyfico //at// gmail /dot/ com if you would like me to respond to a specific question you have.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.