why my two score are different from my highest score?

[Anonymous]

MY scores..TU= 723

                    EQ=655---->from my FICO score watch.

                    Ex=631

I dont understand why my other two scores are way different from my highest score. And i dont know if these scores are good enough to apply for auto loan. Please can someone help me out to understand.

Message Edited by keneyone on 04-30-2007 12:01 PM

[Tuscani]

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keneyone wrote:

MY scores..TU= 723

                    EQ=655---->from my FICO score watch.

                    Ex=631

I dont understand why my other two scores are way different from my highest score. And i dont know if these scores are good enough to apply for auto loan. Please can someone help me out to understand.

Message Edited by keneyone on 04-30-2007 12:01 PM

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Your three scores will almost always be different. The auto will depend on other factors. How many accounts do you have, what is your DTI, any derogs?

[Anonymous]

i have 1 charge card, school loan which i will pay when i graduate. I have three CC's of which they all have 0 balances...I don't understand what you mean by DTI, or derogs? please, could you be more specific?

[Tuscani]

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keneyone wrote:

i have 1 charge card, school loan which i will pay when i graduate. I have three CC's of which they all have 0 balances...I don't understand what you mean by DTI, or derogs? please, could you be more specific?

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Sure.

DTI = your debt to income ratio

Derog = Derogatory, or any negative item on your reports

Have you compared your reports side-by-side? You are likely to find differences which will inpact your score.

[Anonymous]

No i have not..i will check them out later....Anyway, THanks for your quick respond.....

[Tuscani]

No problem!