I just went through the pre-approval process and my Equifax score was the same as the one pulled by the lender and my Transunion was 6 points higher on the lender pull. My Experian fako score was 30 points lower on the lender pull. Experian is pretty useless.
Same week pulls- TU MyFico 594- TU04 (lender) 619- TU08 Walmart 634. I apped for Walmart card on 11/18- and got the 634. Next day the lender pull was at 619, so I pulled on here and got a 594. From what I can tell, old baddies have a lesser impact on newer models, and high util has a greater effect. Best of luck.