I also ran into this problem recently- apparently the scores you pull from true credit and others are considered "educational" scores and are not the actual scores used by the banks. I pulled my credit scores all on the same day from True Credit and MyFICO and they differed by approx 60 points. I contacted the mortgage person I was working with and the numbers he had matched what I got from MyFICO- except for transunion - it was of by 10 points.
My Fico seems to be closest to what they use. As for the median score - it seems everyone has a little different way of figuring- some banks take the middle score- others average the two lowest. Depends who you work with.
