Too good to be true?

[Jordan515]

I know nothing of credit aside from that mine was bad and I needed to fix it.  2 months ago I took out a secured credit card with a $500 deposit and have spend around $100 on it each month.  Also around 2 months ago I purchased a new vehicle and financed it.  When I bought the car they gave me my experian credit score of 598, I just pulled my experian today to see if there were any improvements ( I wasn't expecting much, maybe a few points or so) It's 681?!?!?! Is this a mistake?  I really feel like that's a HUGE number to jump up by in such a short period of time.

[PBAJ]

Your Fico score is what the dealership pulled which can be a 100 points or so lower than what any of the 3 agencys are showing you as. You will always need to focus more on your fico score. That is what lenders see when you try to borrow.

[guiness56]

As of now, EX does not sell their FICO score to the consumer and the only place to get it is through a lender/creditor.  However, sometime in the future (near I hope), EX has agreed to sell it again on myFICO.  Don't know the model and/or version yet.

[bmblbg]

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@guiness56 wrote:

As of now, EX does not sell their FICO score to the consumer and the only place to get it is through a lender/creditor.  However, sometime in the future (near I hope), EX has agreed to sell it again on myFICO.  Don't know the model and/or version yet.

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^^^That's exciting news