Regular Contributor
apandabear
Posts: 200
Registered: ‎03-15-2012
Re: My fico doesn't seem accurate

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.

2009-10 - C/Os
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