hmmm fico **bleep**...

[cyberone28]

on this site it show my credit score of 503... i went yesterday and applied for an auto loan at a dealer and they pulled a 555 on equifax....

who is right?...

[Gunnar419]

Neither and both. There are dozens of different scoring models. Auto dealers may pull a score that is "auto enhanced." They could also be using an older or newer model than the one here. What was the range given on the score they gave you?

[cyberone28]

it says  THE RANGE OF SCORES:    score range from a low of 250 to a high of 900

[guiness56]

It is still a FICO score.

The bankcard-enhanced FICO (the PFICO) has a range of 250-900.  It's still a FICO, because it's generated by a Fair Isaac algorithm.  Classic FICO scores you get here on myFICO do have a range of 300-850, but bankcard- and auto-enhanced scores both have ranges of 250-900.

Unless things have changed, again.

[cyberone28]

so a 555 score in auto loan is bad  correct?.. only one bank approve dme at the crazy a.p.r of 19%

jesus even roadloan approved me for 20k at 18%...   

but i see alot of dealers wont work with roadloans because they charge a fee to the dealer..