[Djokodallas]

Good job!

myfico.com uses Beacon 5.0 and thats equifax FICO score that everyone uses now these days. myfico.com it's owned by equifax.....

Now,

Your trans union form myfico.com is not FICO score ---> its FACO score
Your experian is not FICO on that report---> Its FACO

So to get real trans union you need to order report from trans union website or you can get it from Discover credit card statement, or wal-mart credit card statement.

Experian FICO is impossible to get from a consumer side. You need to apply for Amex and than you will see it. Or a mortgage, etc....

So the only way you can be off it if dealer uses FICO auto enhanced, you cant really know what score you will have because consumers don't have access to this.

The only difference is for auto enhanced if you had a lot of auto loans than it will boost your score if you were late on auto it will penalize you more.