@Anonymous wrote:Weird thing happened today, figured I come here and ask the more knowledgable folks.
I applied for an auto loan today with BofA and got approved. According to the paperwork, BofA got a credit score by Experian at 674.
I though my credit score was much lower, due to high credit line utilization, but decided to check it, using Equifax "3-in-1 CR and Score". Well, according to them, my creidt score with Experian is just 610.
**bleep**?!? How is the bank getting so much higher number than I?
Different models. I think your Experian score through Equifax is probably a FAKO. Assuming that you used the 3 complete report option on Equifax's website, they mention this:
Equifax 3-bureau credit scores are based on an Equifax credit score model and are not the same scores used by 3rd parties to assess your creditworthiness.
