New Contributor
Posts: 79
Registered: ‎12-20-2012

The various scores have different sensitivities to items in your credit report.  It appears you have something which pushes the FAKOs down, but that FICO does not consider so bad.  Also note that there can be some variation between the FICO scores from each of the 3 CRAs, and there is an Auto enhanced version of FICO which some car lenders use.

Starting Score: 2012-10-06 EX: SSN has not been allocated! (funny I pay my taxes)
Current Score: TU 08 - 787
Goal Score: 820+