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litco

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why is my fico score so much lower than vantage 3.0??
Just received a car loan. Dealership discloses my FICO score and says he just took the best. Fico through TU is 717. Credit Karma scores show TU @ 765 and EQ @ 761. Why such a difference? All similar questions I have read on this site ask why CK scores are so much lower than FICO. I am just the opposite.

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The scores here are based on information from only Transunion and Equifax and are intended for use in the credit education process.  FICO gets additional information from the third credit bureau, Experian, and that information is likely different from the other two, especially since very few businesses or financial institutions report to more than two credit bureaus, often only one.  Please read the articles here so you can better understand how credit works and that there are numerous ways of calculating credit scores.

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