I have the myfico.com, and I get the FICO scores from all three cra's. How accurate are these scores? Are these the same scores the lender (auto or cc) will see when they run my credit? Would I be able to take them with me to the bank when I seek an auto loan?
They are the most accurate scores you as a consumer can get. Although they will vary slightly from the scores your auto lender will get as those may be using the industry tweaked formula and not the general fico formula you have yours calculated with.
The only accurate\true credit score you can get (which is what the lenders sees) not from myfico.com is through EQ. All others are condsidered FAKOs and can be 100+/- from your true scores. You cannot find out your auto enhanced score without applying for an auto loan.