Re: My fico doesn't seem accurate
09-25-2012 05:54 AM
The FICO you get here is accurate. But there are different versions of each FICO score.
The auto-enhanced FICO is based on your FICO score, but weighs certain types of things a little differently (vehicle loans/leases, probably long-term installment loans). You can't even get your auto-enhanced FICO on your own, a lender has to pull that for you.
I wouldn't fret over a difference of a couple points.
2011 - Debts paid, no open credit
2012 - Rebuilding started, secured cards opened, SL rehabbed - EQ myFICO 636
2014 - 10k Discover, 3.5k Freedom, AmEx Green, SL, Auto Loan - EQ myFICO 695