topic Re: Score question in Understanding FICO® Scoring

Score question

Anonymous — Fri, 04 May 2012 14:07:11 GMT

Pulled myfico eq score today and it was 679 but credit union pulled it as 641. Still got cli but difference seems so large. How can that be?

Re: Score question

pizzadude — Fri, 04 May 2012 15:03:38 GMT

@Anonymous wrote:
Pulled myfico eq score today and it was 679 but credit union pulled it as 641. Still got cli but difference seems so large. How can that be?

The EQ score sold here is the EQ04 ( Beacon 5 ? ) score. It is very possible that your CU pulled a slightly different FICO score. Do you have anything in writing from them that shows the specifics of what they used ?

Re: Score question

Anonymous — Fri, 04 May 2012 15:11:55 GMT

No unfortunately not. So many different models will be applying for new car soon and I know dealer using different one. Sucks though because I was hoping for financing with cu. if they pulled 679 I would get much lower rate with them. Hoping that since my auto credit is extremely strong dealer will get a higher number then 679 even. Any insight as to even estimated auto scoring?

Re: Score question

pizzadude — Fri, 04 May 2012 15:35:48 GMT

@Anonymous wrote:
No unfortunately not. So many different models will be applying for new car soon and I know dealer using different one. Sucks though because I was hoping for financing with cu. if they pulled 679 I would get much lower rate with them. Hoping that since my auto credit is extremely strong dealer will get a higher number then 679 even. Any insight as to even estimated auto scoring?

If you have good auto history then your auto enhanced scores should be better than your classic FICO scores, so hopefully you'll get a good rate.

Re: Score question

Anonymous — Fri, 04 May 2012 15:39:31 GMT

Thank! I hope so