Quick Fako and Fico Score most of you can probably answer...

[Anonymous]

So I pulled Equifax...or at least thought I did and subscribed to their monthly monitoring with score and all for I think $13 a month. Score spit out something around 560. I was blown away because earlier this year I had a 640.

Anyway I also subscribe to experian for $10 a month. While checking my EQ I saw that it said something along the lines of 'this is not what lenders see' .....is the score I've been getting from Equifax a FAKO? For the past half hour I've been reading all over trying to confirm. The Experian literally days FICO on it, despite it being through the EX site, but I read on the sticky that you used to not be able to buy EX here, so maybe the one I have is legit? Could anyone just confirm for me so I can spend my money to find my 'real' Equifax?

I'm refinancing my car soon and my loan officer wants me to 'just make sure by EQUIFAX is high'

[incognitony]

This site is the only place ive seen to get your real fico auto enhanced score. Creditchecktotal.com is a dollar for a week trial and gives you all 3 real fico scores.

[Anonymous]

Just did CCT. Thanks. I'll be cancelling the 'educationL' equifax now. I'll have to email the loan officer and ask if the refi pull is going to be auto enhanced or not, she seemed to just state Equifax but I'll follow up w her, I'm sure she'll know. CCT spit ou EX661/TU638/EQ617. Which jives way more with what I expected than the current 576 EQ's fako spit out. I'd been freaking out quite a bit about how long it would take to get it up 104 pts. 63 though? Far more manageable. 

[Bankrupt2019]

Why are you refinancing your car? hoping for a better rate?

[Anonymous]

Yeah,for 15.9k,  im currently at around 8.5, 660-679 gets me a 4.75, 680-720 gets me 3.5. Wondering if they pull an auto enhanced version or if they'll just pull the Fico equifax. Only the loan officer would be able to answer that, right? no one on here would know realistically? The officer would tell me if so, just checking since it's sunday and they aren't in.

[Bankrupt2019]

yeah, I would ask the loan officer thats the only way to be 100% sure. I just refinanced with capital one and they used what would appear to have been an Auto 4.

[Anonymous]

Try to join a credit union and refinance with them. You're going to get the best rates through a cu. 

[Anonymous]

It is a CU, and i'm very pleased with them. Fairwinds in Orlando. The loan officer at the office near me is awesome, she gives me way more information than she should really sometimes, but it's always to my benefit. I just found out they pull an auto enhanced Equifax, so i should expect it to be slightly higher than my normal equifax. the guy i talked to today said if my score held steady from when i first got the car, at 640, i'd refi at around 5.9, so i'm thinking the dealer probably tacked on a higher rate originally because i doubt it would drop so much since in less than 5 months. Is this the only place i can pull my auto enhanced Equifax? It's been just under 5 months i believe, people have said it's 6 months generally for the loan to start helping my auto, is that true?

[Bankrupt2019]

you need to know which auto enhanced version they are using. Your auto enhanced 4 is probably going to be lower than your auto enhanced 8.

[Anonymous]

I suppose i can followup again with them, but i asked if it's just the one i could get online or if it was a little different, he claimed they use sort of their own formula, but he seemed a little unsure. The only reason i'd be paying for it is for the auto score, if i'm reading myfico right, i could get 5 scores. I care less than 0% for mortgage and such, so could i just empty my options on the auto fico's?

What would be the best monitor to buy? I have CCT currently, but that won't help in this situation, i don't mind holding onto two reporting options.