Originally posted by @Chris Collins:
Just keep in mind that your credit score for a credit card is different than your credit score to lenders.
For instance, a 745 credit score by experien when your tying to get a new Visa or Car loan, could be a 707 to lenders. They weigh things differently and have different criteria.
Just so you're not surprised.
From what I understand, the only place to get real FICO scores is myFICO.com. Experian has what people call FAKO scores. So the 745 credit score you see on Experian is FAKO while lenders use the real 707 score you would find on myFICO.
The reason that an auto lender has a different FICO credit score than a mortgage lender which is different from a credit card issuer is that they use different versions of the FICO score. I have a myFICO subscription that includes the score versions with each credit report.
When I was getting my mortgage, the scores my lender pulled matched the scores I got from myFICO.