EQ credit score issue

[crpx4]

I received a message from Score Watch on 9/6/13 that my EQ score had moved up to a 663.  (I had some major set backs in 2008 and 2009 due to the real estate market mess)  I am in need of a vehicle as and I called my CU today and applied for a loan.  The CU told me my EQ score is a 622.  Why would there be such a big difference if I just received the notice from Score Watch?  I had checked my EQ on 9/7/13 and it appears a CO was removed (shocked me but I was happy).  Any advise would be great.

[myjourney]

Hope the auto is approved 

There's 49 different FICO scoring models out there and scores can vary by which one the lender is using

[crpx4]

I was approved (at a higher rate than I was hoping for).  Thanks for the info.  With so many variables how is a consumer to get the information they really need. I feel like I am on a hampster wheel.

[myjourney]

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@crpx4 wrote:

I was approved (at a higher rate than I was hoping for).  Thanks for the info.  With so many variables how is a consumer to get the information they really need. I feel like I am on a hampster wheel.

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Congrats on the new auto

Hampster wheel ....LOL