@64met wrote:
@Anonymous... I paid my $45 on January 15th to run my score... it came back 708. Now, I had a lender run my score and it comes back @690??? I did NOTHING to impact this drop! I wonder how legit the numbers are that I ran on this site! Any ideas/suggestions?
Thxs!
You have three classic FICO scores, one from Equifax, one from TransUnion, and one from Experian. And as Sylvia said, your lender might have pulled something called an "auto-enhanced" score, created for the auto loan industry that tries to be more predictive of car loan behavior.
So the difference could be that they pulled a different FICO than you did (EQ vs TU vs EX), and they might have pulled an auto-enhanced vs the one you get here, and they might have done both (you pulled classic EQ FICO vs they pulled auto-enhanced TU.)
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007