I recently financed a car and I regularly check my FICO credit score through all the various services available (banks, credit cards,etc.) and also through a service called PrivacyAssist from BofA that gives me a quarterly full credit report and FICO score from all 3 agencies. In any case, my score is usually between 810-820 all the time. However when closing the deal on the car the business manager handed me my credit report and the score was 858! At first I honestly questioned if she had run the right report but she validated it and said the scores you get when you do a hard pull vs a soft pull are different.
So my question is what is the point of seeing your score (I assume via soft pulls) if it's going to be off so much from what the hard pull score is which is what creditors will actually use to determine rates, eligibility??
Submitted March 02, 2019 at 07:54AM by mobilehavoc https://ift.tt/2Vtak4I
