I'm lost my score on myfico does not match

[Anonymous]

Help! I joined my fico because everyone said it was most accurate, however my fico says my auto loan score is 708, when I received the denial letter from the bank they said it was 597... what's going on? I have nothing negative on my credit.

[Anonymous]

Your bank used their own scoring system or a different version of Fico.

[takeshi74]

---

@Anonymous wrote:
Help! I joined my fico because everyone said it was most accurate

---

All scores are accurate but only for their own scoring model.  As stated above, if the scores differ that much they're probably different scoring models.  You cannot use a score generated by one model to determine a score generated by another model.

Another possibility is that the scores were based on data from different CRA's.

Your OP only mentions two scores but doesn't mention the models or the CRA's.  Make sure you're always considering both when looking at or comparing scores.

[Anonymous]

The CR is TU

[Anonymous]

---

@Anonymous wrote:
The CR is TU

---

The CRA from which the report is pulled isn't relevant. It's the scoring model that's used that matters. A score based on TU data can vary widely depending on the model. Fico is the one most used by creditors, but even within Fico there are numerous variations.