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

[lhartman627]

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?

[llecs]

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.?

[lhartman627]

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.

[lhartman627]

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.

[llecs]

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@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.

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Which CR mentions that? Your myFICO TU report?