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crysjack

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I just went to buy a car and my equifax score was 493, you say 581
Why the dramatic difference, very upset!!

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The car dealer is probably using a FICO score that is specific to auto loans. You actually have a few dozen different FICO scores, each one geared to a different type of credit. One score would be used by a car dealership, another score would be used by mortgage brokers, and yet another would be used by a credit card issuer, etc. So even the FICO you request for yourself from a particular bureau (which would be a "consumer score") may be different from the FICO from that same bureau that is used for a different purpose.
To make things even more confusing, Credit Karma doesn't use FICO at all--they use Vantage, a completely different scoring system. From what I've read, Credit Karma scores tend to run higher than FICO scores. 

It's a bit like looking at a thermometer and saying "Hey, this thermometer says it's 0 degrees outside, and the weather man just said we are exactly at the freezing mark. Why is it different?" Well, one is Fahrenheit and the other is Celsius. Both are accurate ways of measuring the temperature, but the numbers are going to be different. Same with FICO and Vantage.

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