35pt difference from Lender pull vs. myFICO pull?

[lovemybabiesx2]

Just curious if anyone else has had a 35pt difference on their TU score?  My TU score from lender was 35ps lower than what it is here on myFICO is this typical?  My Equifax was exactly the same!  thanks

[GregB]

I'm guessing you are referring to a Mortgage Lender.

Since the TU FICO here is TU98, it is most likely they used TU04. There were a number of improvements and it seems to be more common than TU98 at this point. I don't think the next version has been reported yet, or at least is not common.

[Andrew22]

My lender pull was actually higher for TU, by 15 points

[kenworthguy]

Hi, yes, unfortunately there can be a fairly large difference between a lender pull and MyFico on TU. I went to the local CU for a small personal loan and when they pulled it, it was 38 points lower. MyFico said i was 620, lender pull was 582.

[AtmyOffice]

My mortgage lender pulled a vantage score and it was different for TU by 15+ points. They are the lender, so you have to go with their score.

[MarineVietVet]

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@AtmyOffice wrote:

My mortgage lender pulled a vantage score and it was different for TU by 15+ points. They are the lender, so you have to go with their score.

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And you are certain it was a VantageScore? It's not that I don't believe you it's just that you are the first poster (that I can recall) that has said a lender pulled a VS. I'll need to remember that. Would you mind saying who the lender is? If you don't want to say I fully understand.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

I received notice of  a HELOC freeze and it provided the standard language regarding FACTA.   I pulled all 3 annual credit reports, not just TU.  Initially, I did not pull my FICO score.   When I asked the bank representative about the internal score they used, she said she could not provide that.   ???   She indicated that I needed to contact the CRA listed in the letter. (TU)   I have since pulled myFICO score.  You've given me reason to believe  the lender's score may be lower.   Isn't the lender obligated to provide the  they're using to make decisions?

[AtmyOffice]

I used a local mortgage company in CO. Don't worry, I was surprised too.

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@MarineVietVet wrote:

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@AtmyOffice wrote:

My mortgage lender pulled a vantage score and it was different for TU by 15+ points. They are the lender, so you have to go with their score.

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And you are certain it was a VantageScore? It's not that I don't believe you it's just that you are the first poster (that I can recall) that has said a lender pulled a VS. I'll need to remember that. Would you mind saying who the lender is? If you don't want to say I fully understand.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

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[MarineVietVet]

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@AtmyOffice wrote:

I used a local mortgage company in CO. Don't worry, I was surprised too.

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Thanks. I was wondering if it might be one of the national lenders doing this.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[snowangel]

I noticed this as well.  When I received my TU score from Discover after being denied for a private SL it was 30 point lower than what had been reporting on myfico.