So all these Fico, Fako scores bogus?

[timsim]

I just pulled MyFico experian score and it was 665.  I went to my credit union and they pulled my experian and its 642.  So nowhere can I pull my real score that will match up with lenders?

This whole scoring and credit report system needs an overhaul.  I think I'll write to Senator Warren!

[Anonymous]

different scoring system = different scores

as long as u r making payments n doing what you r spposed to do, ur score will go up

[timsim]

Thats what I'm talking about not only can we not see our auto scores, the scores we do see never match what the lender see.  My remark was not about my score going up btw.

[Anonymous]

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@timsim wrote:

Thats what I'm talking about not only can we not see our auto scores, the scores we do see never match what the lender see.  My remark was not about my score going up btw.

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You can your auto scores now on FICO.  If you pull new reports, they have auto, Bankcard and mortgage enhanced scores.

[elim]

many, many scoring models = all about the Benjamins

more supplying models, users and lenders buying more models, more interest to suck up, less losses, etc.

welcome to our nightmare... some here are pretty good at researching and steering through them all, and myFICO certainly took a nice step by supplying more.

[takeshi74]

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@timsim wrote:

I just pulled MyFico experian score and it was 665.  I went to my credit union and they pulled my experian and its 642.  So nowhere can I pull my real score that will match up with lenders?

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There are many scoring models used by various creditors so you if you want to see what a creditor will pull for you then you need to know the CRA and the scoring model used.  Even then, in some cases you cannot pull the score used by a creditor.  Whether FAKO or FICO a score is only accurate for its own model . You cannot use a score generated by one model to determine a score generated by a different model.

This is why I don't recommend fixating on the specific numbers and, instead, looking at the data in your reports.  Any score is generated based on data in a report.  A good report will lead to a good score.  Start here if you haven't read this already:

http://www.myfico.com/crediteducation/whatsinyourscore.aspx

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@timsim wrote:

This whole scoring and credit report system needs an overhaul.  I think I'll write to Senator Warren!

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You might want to read up on why the different FICO models exists first before just assuming that there should be one single score.  FICO's customers are really the creditors, not the consumers.