Reply
Member
lhartman627
Posts: 8
Registered: ‎02-17-2012

TU report pulled at car dealer was about 40 points lower!

My husband is trying to rebuild his credit the next year or so so we can buy a house. We both just bought a car together, and I was the first signer on the car, because my credit score is higher. My TU score on here is 677, but the lender said my TU was 631. I frequently check my credit score, and I know it has not been in the low 600s for quite some time. What is the deal?

Current Score: 679
Goal Score: 750

Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: TU report pulled at car dealer was about 40 points lower!

When did you pull the 677?

 

Do you have any auto loans reporting? If so, are they negative in any way like lates, negative comments, etc.?

Member
lhartman627
Posts: 8
Registered: ‎02-17-2012

Re: TU report pulled at car dealer was about 40 points lower!

I have only had one auto loan and paid on time every month. The 677 was pulled the same day as the lender pull. I even checked it again the next day, and it was still 677.

Current Score: 679
Goal Score: 750

Member
lhartman627
Posts: 8
Registered: ‎02-17-2012

Re: TU report pulled at car dealer was about 40 points lower!

Actually...on my credit report it says there is information lacking about my last auto loan.....I don't know why this is. It was paid off last August, always paid on time.

Current Score: 679
Goal Score: 750

Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: TU report pulled at car dealer was about 40 points lower!


lhartman627 wrote:

Actually...on my credit report it says there is information lacking about my last auto loan.....I don't know why this is. It was paid off last August, always paid on time.


Which CR mentions that? Your myFICO TU report?


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+