Differences in Equifax FICO

[jim44]

I was wondering if any F&I or other loan officers who pull credit reports from a 3rd party site have seen this situation.  We had a customer purchase a car and our OM pulled their credit through Equifax which resulted in 808 FICO. For some reason the app wasn't submitted to a particular lender and the process had to be duplicated including another pull.  Within a two hour time period, the second pulll resulted in a 846 FICO. Same site, same CB, in fact the F&I was still logged in when pulling the second score.

Even when a CR is pulled from a different 3rd party site for the same customer and the same bureau the CR is the same or within a couple of points difference. Have anyone else experienced this and if so did you know the reason?  Thanks for any replies.

[pizzadude]

Assuming that it was the same score model, there must have been some changes to the customer's credit file between the pulls, perhaps a balance updated on a credit card or something similar.

[jim44]

That's what I was thinking Pizzadude about a change in her credit report. It just seemed amazing that her FICO would jump a little over 30+ points. He submitted the same app too as the lender claimed he hadn't received the first submission.  There was a 4 or 5 hour gap between the two submissions.  Thanks for your take.   -Jim

[Ubuntu]

That's very out of the ordinary. I had a two backdated Amex cards bump my score up over sixty points when they hit my report but it made a big change in my AAoA. The odds of something moving a score already over 800 up by 38 points seems pretty low although not impossible. I'd love to know what a 3rd pull would show but that will have to remain one of life's little mysteries.