@Anonymous wrote:If the same model was used a possible explanation is that your lender pulls directly from Experian, not from Myfico. You may have had something within the past couple of months that increased your credit score but it did not update yet on Myfico and that is why it is showing lower on Myfico (it isn't reflecting the point increase yet)
AFAIK the scores here are absolutely reference. The scores come from the bureau themselves; I do know that if I pull an instant in time score, I get the score with changes that haven't hit the monitoring solution yet.
That pull also doesn't update the monitoring solution but I'm OK with that heh.
Further anecdotal data, we'd get a lot more complaints of mortgage scores not matching if the scores were being calculated on old data. The monitoring scores, yeah, only triggered updates, but the 1 and 3 report pulls, atomic clock level standard from a score perspective as I understand it.
@OP - None of my CU's currently underwrite on FICO 8 and I have collected several over the years. I'm not surprised yours isn't matching either.
