I'm curious to understand why on the same day that a mortgage lender pulled my credit report, there was a 40+ point difference in my TransUnion score than the one I pulled here. Thankfully the lenders score was higher than what I pulled here for TransUnion. I did pull it the same day because I wanted to be prepared for any questions regarding my credit file. After going over the reports the only difference is the lender's report shows one of my credit accounts as a charge off (it's not it was a lost/stolen card that was replaced) and still that credit score was higher than the one I pulled here.
Would very much appreciate any feedback that can be provided to help me understand the huge difference in scores.
NOTE: Sorry if I've posted this on the wrong board; please move if necessary.
The version your lender pulled was likely TU04, the one from here is TU98, There will most always be a difference between the two. I have seen it go either way both up or down from what is here.
Different models/versions, different scoring criteria, different scores.
I hope it goes up for me. I need TU to be my highest.....on here it's my lowest. (But it has the "best" report of the 3).
From my personal experience the TU98 one that you get here takes AU into account an little bit more. I also have huge discrepncy between my TU scores. I also noticed some of my cc aren't getting reported to TU , which also may effect my TU scores.