Credit Union getting different credit score?

LCJC: Credit Union getting different credit score?
I am looking to get a car loan from my credit union. The strange thing was that the credit union got higher scores than when I pulled my own credit report from both Equifax and Experian. I pulled my report the day after the credit union did. Was wondering if the credit union uses a different type of “score” when pulling for a car loan.

Thanks in advance.

LC

Answers and Views:

Answer by surelynotme
There are 3 main credit reporting bureaus. Maybe they used the one you didn’t get your report from.

Answer by Kristi S
What was the difference in the credit score? When any business runs a credit check on a person, the credit score of that person is docked by a couple of points. The only exception to this, is when the person is looking for a mortgage, where several mortgage companies are looking at you credit. The credit companies know that you are only going to finance one house, and only doc the credit score as one business was checking.

Answer by spifiman1
Actually there is a difference. When lenders pull credit for a auto loan they use whats called an “Auto enhanced” bureau. This will sometimes have a higher score due to how many auto loans you have had in the past and how you have paid them.