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Posted in Auto Loans
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BAB4EVER

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My credit scores show up different at the dealership than what you provided me here. (100) pts. Why
these are the same bureau's you guys use, Trans union and Equifax. It shows up better here than at the dealership or bank.

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Credit Karma Team
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Hi BAB4EVER,

Thanks for posting. This is a common question. While the dealership may be retrieving their score from the same bureau, they are likely using a different score model. The scores used for auto loans are a specialized forumla that weighs you previous auto loan history more heavily. We provide the VantageScore 3.0. You can learn more about the difference in score models here: https://www.creditkarma.com/article/differentscores

Hope that helps!

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Most likely the lender uses FICO scores, while the scores you get here are Vantage scores. Fico scores are obviously the more important ones as they are used by the majority of lenders, but for you to get Fico scores you will have to pay for them, unless you find a credit card that offers a Free Fico score with it.

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