Why is there a difference. Lender CR vs CR from internet????

[Gorilla50]

I recently went to Qualify for a mortgage and when the lender. She pulled my credit report and my scores were 30 to 70 points lower then the scores I get from the TU, EXP, and EQF sites. Does anybody know how. why this is happening? I asked the lender and she was unsure... She thinks that there is an A and B file. Well if that's the case, then how am I supposed to know what is actually on my report? Any insight is greatly appreciated.....

[tdhssbn]

The scores you receive from TU/EQ/EX are what we call FAKO scores. They are not your real credit score. You need to get your real scores from MYFICO.COM if you want a real time look.

[kevin3344]

EQ is the only one that is actually FICO. When my lender pulled for my mortgage that was the only one that matched EXACTLY. TU/EX is not even close...

[Ahntara]

There are hundreds, if not thousands, of credit scoring programs. Consumers don't have access to the ones that lenders use. Their scores are skewed to particular segments of the financial industry.

So, you could receive a score based on EQ from myFico.com, from a mortgage lender, an auto dealership and a bank where you applied for a credit card; all based on the same basic data and yet get 4 completely different scores.

You also don't have a perpetual score sitting out there somewhere being subtracted from and added to. Your score is a calculation performed only upon request. Each time, the calculation may yield a new number. You, or a Lender, requests...the math is done, viola! = Your magic number. It's all just smoke and mirrors anyway. So much for finding out what your 'real' score is.