What a great site! Thanks so much

Well, I am absolutely pissed at a car dealer at the moment. I'm a VP at a large corporation and should have walked away from this deal but I'll spare your the details and get right to the point. My Experian score pulled online via their CreditExpert tool is 735. I show up to the dealer, the same day, and they tell me my score is 690. They show me the report (not letting me review it of course but it was me, my address, bday, etc.) and tell me that it is based ONLY on Experian data. I show them my score and the paperwork. Anyway, it cost me $20 bucks a month. We had just sold my wife's vehicle and I didn't feel like dealing with starting over at another dealer, rental car blah blah blah. The dealer tried to tell me that "dealers" have a different algo that they use - the model is different and he's seen big differences like that before.

I think there is more to this.

Q. Have you ever heard of a 45 point difference between the "score" you can get online as a consumer and what a car dealership pulls up in their computers??
Q. Do you know if there is a way to "request a copy of the report and score used in connection with the transaction" even though it was approved? I know you can when you are denied credit.
Q. My sense is to take this up with Honda Finance and Experian, but possibly the Department of Consumer Affairs if the dealership fabricated the score but I have to get the reports. The dealer is acting above board, even inviting me to come in and look at the report for myself so I'm going to do that and compare it account by account with my 735 FICO version.

Thank you so much - and what a great site you have. SO much info and I just figured I'd toss this out since you seem to have a wealth of info on this topic....
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1. No they should be the same if they are checked the same day.
2. That snapshot of that day and time has gone. Unless the dealer has a copy, printed or saved, on the computer, then no.
3. I would do that for sure.
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