MyFICO scores vs. Lender Scores

[simyengi]

How different are the consumer scores from the ones pulled by lenders? I ask because my middle score is 632 and my mortgage officer wants me to get to a 680. Not sure how I'm going to get there in the next 2-3 months. A second mortgage officer told me the score can differ by as much as 30 pts. Is this true?

[jzsnow]

My scores were higher on the lender pull vs myfico paid for scores, except EQ.

[simyengi]

Very interesting. Do you think it's OK to apply with a MyFICO score around 650 or so?

[jzsnow]

Which score is 650? EQ, ex, or TU?

[jzsnow]

Here are my scores I posted is July:

An update as promised!

Scores from myfico.com:
Experian-633
Transunion-640
Equifax-653

Lender pull-
Experian-658
Transunion-652
Equifax-653

[simyengi]

Well, right now TU and EQ are sitting at 632. I'm waiting for a BoA account to update on TU with new balance of $3. It was previously $521. Credit limit is $1337.

[simyengi]

That's very encouraging. Is this pretty typical?

[WillF360]

You should get a nice boost from paying down the utilization.  Is that your only CC? 

And my lender pulls were higher than myFico scores as well.  Most that I've read have been, at least by a few points.  Mine was about 15-20 pts different. Except EQ, which is identical.

[simyengi]

I have two others:
Open Sky - last reported $18 balance; $250 credit limit
Capital One - last reported $5 balance; $300 credit limit

[simyengi]

Now I'm wondering why the mortgage guy told me the scores could be 20-30 points lower.