I pulled my FAKOs from all three credit bureaus and averaged them together and figured I had about a 650 credit score. Not the best, I know. But after many years of paying things down I finally thought I would be able to get into the car of my dreams. Went to the dealership with $ 2000 down, they ran my credit through Equifax/Beacon and IT’S A 547!!! They cannot finance me. Is it normal for a FAKO to be 103 points off from a FICO? I mean wtf is going on? This is ridiculous, I’ll never be able to get my car now!
I pulled my credit report and score from all 3 bureaus, this was not a calculator or an estimator. This was all three scores and reports from freecreditreport.com
I already have a POS car and ten POS cars before that I’ve dumped thousands into to keep running. I make a decent wage and I’m tired of turning wrenches on my weekends and vacations. Everything on all three of my credit reports have been taken care of. I just don’t and haven’t ever had any credit cards.