Well the answer is quite obvious if you sit down and think with a little rational. You went online to some find credit report Philadelphia www.yourcreditscore.com web site and got your credit find credit report Philadelphia score. When you went into the car dealership, and they pulled your credit they didn’t go to that same site. That being the case, do you think since the car dealership used a different service to pull your credit that your score could be different? You would think it should find credit report Philadelphia be the same or worst case scenario close. free credit report georgia When you go online and have your credit pulled find credit report Philadelphia you’ll receive what I would call a generic credit score. After all, it’s a score based on your whole credit history.
Meaning it takes in effect how you’ve paid anything and find credit report Philadelphia everything you’ve had credit with; from auto loans, to mortgages, to credit card, to student loans, to personal loans. credit score report If your credit file is deep with all the above types of credit, and you had a 30 day late payment on a car loan your overall credit score wouldn’t be tarnished much assuming that everything else on there was perfect.
When a car dealer pulls your credit they are pulling what’s called and Auto Finance Score. In other words, the credit score that they get from one of the three credit reporting services (find credit report Philadelphia Equifax, Transunion, Experian), is an auto finance score based more on your pervious auto loans. credit score scale So in the scenario above, if your credit file was perfect with all your creditors, but you had a 30 late payment on a car loan your auto finance score find credit report Philadelphia will take a big hit. The bottom line is there are two different scoring systems.
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