Credit score discreptancy

[kris0830]

Why is it when I pull my score from Identity guard and freecreditreport.com they give me all kinds of different scores? I went to get an auto loan b/c I pulled the CR from them and it looked as though my lowest score was 529 but when I got to the dealership they are saying I had one of 500?? Help. I want to see my REAL score !! Where can I do that? Thanks

[Anonymous]

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kris0830 wrote:

Why is it when I pull my score from Identity guard and freecreditreport.com they give me all kinds of different scores? I went to get an auto loan b/c I pulled the CR from them and it looked as though my lowest score was 529 but when I got to the dealership they are saying I had one of 500?? Help. I want to see my REAL score !! Where can I do that? Thanks

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Welcome, Kris!

The scores you got are called "FAKOs" -- they are not the scores that lenders use.

Get your FICO scores from myfico.com -- that's the only ones that count.

But keep in mind that auto lenders use a different score that you can't buy.  Read all about it in this thread:

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&message.id=1231