@Sbrooks1 wrote:
I only wanted to see what rate I may get as cap one pre is soft pull, the letter said I already had a pending approval!? Just said EQ auto score, I actually don't need a new car as have a 2 yr old Honda CR-V w 14000 miles I bought brand new in 2014 . So thank god for that. Just was curious my interest rate and all. None of my fico current versions match the 609 score cap one reported!! Thanks for listening and advice as always!
Hi Sbrooks.
Credit scores need to be looked at with a grain of salt. It is an indication of where our credit health is at a given moment in time, but it changes. Not all lenders faithfully used FICO 8 or FICO 5 or whatever. Each creditor uses a model, but has their own variations. Rebuilding is a stressful process cause we want everything to be right again, like yesterday, but it don't happen that way. For the sake of my sanity, sometimes I stay away from Myfico sometimes a week at a time because reading others success can result in my making poor choices when it comes to applying for products I know I don't qualify for. Give yourself a break. You've done a good job rebuilding so far. Keep up the good work and know in time that all bad things will be off your report and your score will rise exponentially.
