12-20-2012 10:06 AM
After pulling my CR's again today and opting to also receive my three scores I noticed that my scores that accompanied my credit report were significantly higher (a little over 40 points higher) than my score watch score here on My Fico. Does anyone know why they would be different?
12-20-2012 12:10 PM
They were most likely not FICO scores becuase you cannot purchase EX FICO. The scores you obtained use a different scoring method and thus results in different scores
12-20-2012 12:24 PM
That's so confusing since I purchased it with my actual credit reports. You would think that would be the true FICO score
12-20-2012 12:39 PM
Don't feel bad, we have all purchased "FAKO" scores before. You are on this site now, and there is a ton of information available. Look at the bright side, your reports were real and you know where you stand as far as the information on the reports and you can clean them up.
01-24-2013 07:52 AM
I had a creditor pull my credit for a refinance and they said my equifax FICO score was 47 points higher than my scorewatch was showing......... i verified that what they had was FICO provided to them.
01-24-2013 09:26 AM
That would have been a auto-enhanced fico.
01-24-2013 10:43 AM
01-24-2013 10:58 AM
Myfico should offer those enhanced scores in their score power along with what they currently have. They could offer us a score for each model that exists. That way if I was looking to get a home loan, I would know what my mortgage fico was..........
01-24-2013 11:42 AM
I thought the dealership was wrong in August when I purchased my car. I had an almost 700 EQ just 3months after discharge.