Bankruptcy

[softballgirl29]

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?

[Comet21]

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

[softballgirl29]

That's so confusing since I purchased it with my actual credit reports. You would think that would be the true FICO score

[Comet21]

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.

[mustang03]

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.

[starry1]

That would have been a auto-enhanced fico.

[mustang03]

what does that mean? 

If I go to Equifax's site and purchase a score, will that be the same as on here?

[starry1]

No, Equifax sells a fako on their site. I have no idea what auto-enhanced means. Its an actual fico, its just "enhanced" for car loan purposes only. There's also credit card enhanced scores, still just a different formula to determine cc risk, and still a real fico.

[mustang03]

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..........

[Comet21]

I thought the dealership was wrong in August when I purchased my car. I had an almost 700 EQ just 3months after discharge.