myFico experian pull different from dealership?

[Anonymous]

I just qualified for a $46,000 loan via a dealership working with a local credit union. I pulled my experian Fico score before going to the dealership and then again today to verify.

They gave me a credit report that said my experian score was 593, however both the morning before I went and then again today when I pulled my Fico from experian here on this site, it said my Fico was 629.

They initially offered an interest rate of 9.29% and eventually lowered it to 7.5%. (My TU and EQ scores are in the 670+ range).

is it normal that their pull would show such a lower score than my pull here on myFico? I just want to make sure im getting the best rate possible and that they arent fiddling with the numbers to jack up the interest rate.

(Btw my DTI is ~7%) the low scores are a result from my heavy utilization of available credit due to a recent move across country.

[DaveSignal]

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-version...

[Anonymous]

I'm still new but have been reading A LOT. I don't have answers but have some questions.

Is it possible they used auto enhanced scores and your auto enhanced scores aren't as good as your normal FICO scores? How is your auto credit history?

[sccredit]

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@Anonymous wrote:

Is it possible they used auto enhanced scores and your auto enhanced scores aren't as good as your normal FICO scores? How is your auto credit history?

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This is exactly what happened.  There are times that one's Auto Enhanced score is lower than their FICO.