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Could they be using an auto-enhanced FICO?
If you go to EX and pull you will get a FAKO. EX sucks!
They won't take what you pull. They pulledtheir own. That's why people complain about EX. You can't pull your own FICO score.
Are there any differences between the report & score I get by calling EX rather than ordering it online?
USAA CreditCheck Premium: 643EX
AMEX Credit Secure: 643EX
Experian Personal Credit report & score: 643EX
AMEX soft pull (FICO): 647EX
Communication Federal CU: 583EX
Which one seems to be more out of place and incorrect??
I haven't viewed the report ComFed pulled yet, but will tomorrow. All the others have the exact same information on them.
@j_casteel wrote:Are there any differences between the report & score I get by calling EX rather than ordering it online?
Any EX score you order online won't be a FICO, but a FAKO. If you order via Experian.com, it'll be different than anything else you pulled as it'll probably be a Vantage. Ordering via Amex CS or USAA would be a PLUS FAKO.
Back to the car app, was it an auto-enhanced FICO? That can explain the difference.