Experian Score Pulled by CU Differs?

[seattleitbofh]

I'm in the process of getting a vehicle refinance loan. The CU I'm working with did a pull on Experian on Dec 2, and returned my credit score as a 677. 

I have an account with Experian, and they reported my credit score to be 712 on Dec 2, with a FICO score of 696. The banker I spoke with said that Experian offers "several different products", and that the scores could be skewed as a result.

Does this sound right???

[CH-7-Mission-Accomplished]

They may have pulled the "auto enhanced" FICO score used by auto lenders.

[disdreamin]

Or the mortgage version - that's what my CU pulled and it was 40 points lower than my FICO 08 score from the same (both TU).

[takeshi74]

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@seattleitbofh wrote:

Does this sound right??? 

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Scoring models is a very common topic.  Don't overlook the Understanding FICO Scoring subforum and its stickies.  It's not so much the different products that Experian offers but the different products that FICO offers.  FICO's are a product of the Fair Isaac Corporation, not Experian.

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

[seattleitbofh]

There was no mention of FICO anywhere on the credit score document the banker printed off for me, so this would be FAKO

[TheGardner]

Likely not, but possible.

Most likely a result of different scoring models.