Am I missing something here? Confused

[GZG]

you need to ask them what score they used, there's ~30+ different credit scores it could be

[ocheosa]

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@LambnPork710 wrote:

For the past six months, I have worked my butt off to pay off all of my credit cards. I knew I would need a new car soon, and my goal was to have all of my cards paid off. I am happy I achieved my goal; my credit score rose almost 100 points.
 

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@LambnPork710 I wonder if the answer is this simple. You mentioned paying off all cards? If all balances are at zero, there is a penalty imposed. You need leave a small balance on at least one card for optimal scoring. Since cards report at different times, it may have taken a bit for the penalty to show. Just a thought.

[markbeiser]

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@LambnPork710 wrote:

I have no clue , I opted to do the pre approval process  online and was confident I knew my scores and I don't (which is frsutrating) . I pulled my EQ and TU report a few mintue ago and the accuracry is off by almost 15 pts by what is dispalyed on myFico.com.

TU: 695

EQ: 689

Only my EX score aligns with myFico score 

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Where did you pull those TU and EQ scores from that are different from your MyFico displayed scores?

[FicoMike0]

Practice azeo (search myfico) until you get the loan.

[SouthJamaica]

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@LambnPork710 wrote:

For the past six months, I have worked my butt off to pay off all of my credit cards. I knew I would need a new car soon, and my goal was to have all of my cards paid off. I am happy I achieved my goal; my credit score rose almost 100 points.
 
I pay for the premier service through myfico.com; I've been watching my credit like a hawk weekly. 
Fast forward to the present, I did a pre-approval with BMW (no effect on my credit); myFico.com has my scores listed as

                  Fico 8      vs.     Auto Fico 8

TU            723                            745

EQ           716                             734

EX           729                             732

When BMW ran my pre-approval, my Equifax score came back as 695. I'm wondering if there's something I'm missing. Now, I'm questioning the legitimacy of the FICO scores I've been using to shop around at dealerships and whether paying an extra $44 a month for these services is worth it. When I compared my FICO Equifax information to the information that Equifax has on its independent site, everything aligned, so there were no errors that stood out.

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There are so many FICO scoring models; no doubt they used a score from one of the other models.