Confused with credit score?

[Anonymous]

So I tried to refinance an auto loan, on myfico.com, credit karma, and my bank of america, newegg credit card all report my fico 8, and vantagescore 3.0(or something.) in the high 700's? when i filled out the paperwork on the loan application when i was approved(wasnt a good refinance..actually was a higher apr) it stated my experien credit report was 666? 

How is that possible?

[Anonymous]

I also had a collections on my score from many years ago..A college  class I forgot 2 pay for..I paid off that debt but it randomly disappeared off my credit report in may? I thought it would take seven years...

[Anonymous]

Did it say which scoring model was used to yield that 666 score?  I'd venture to guess it was an auto model, which would mean it's different than FICO 08 or VS 3.0.  As a result, it could yield a slightly different or even dramatically different score.

As far as a baddie falling off early.  Who knows... but it's a good thing if it's gone.  Don't ask, don't tell.  Sometimes these things just happen.  The converse is when baddies pop up on reports out of the blue and people have to go through the dispute process, which happens as well. 

[Anonymous]

Is it because I've only had the auto loan for a year? So that particular score is uh...Still growing? Sorry I'm relatively new to this.

Also it's been about 4 years since the baddie was on my credit..Is it abnormal it evaporated? 

[Anonymous]

I wouldn't use the word abnormal.  Perhaps uncommon would be more fitting.  It's not incredibly rare, as I've heard plenty of people report a negative item going away before the 7 year mark.  Relative to the majority though (that stay on there the whole 7 years) it would be considered to be uncommon.  It's also not out of the question that you could see this negative item reappear at some point.

I don't know much about auto scores, but it would be reasonable to believe that scoring models that refer to installment loans (auto models, mortgage models, etc) likely weigh those types of loans a little heavier than other scoring models.