in regards to credit scores?
MIKE J asked:
I just bought True Credit, the Transunion product that monitors all three scores and credit reports. True Credit reported my scores lower than some of the other similar products available. Are these the scores that lenders see, or do they see the actual FICO score? How can I see what they see? I want to purchase a car from a local Chevy dealer and I want to know what to expect.
Randall
I just bought True Credit, the Transunion product that monitors all three scores and credit reports. True Credit reported my scores lower than some of the other similar products available. Are these the scores that lenders see, or do they see the actual FICO score? How can I see what they see? I want to purchase a car from a local Chevy dealer and I want to know what to expect.
Randall
Warren
Many lenders use different versions of the Scoring Model.
For Example a lot of ppl have VISTA, but most of us still have windows XP.
You wont be able to find out the exact score, because everyone has a later version or different company.
You can go from dealership to dealership, and it wont be UNCOMMON to get a different score each time.
You are able to remove these hard inquiries for free
Sandra
Auto finance is what I do for a living and dealers and auto lenders look at the “Auto enhanced” version of your credit report.
As far as I know, there is no access to this for the general public.
The “Auto enhanced” credit report is slanted to look at your installment credit so if your installment loans are in good shape, you should have a higher score then the other versions.