There are three Credit Reporting Agencies, and each one has a slightly different scoring model. Also, some lenders do not report to all three, so there can be differences in reports as well. This leads to differences in scores.
Different lenders also use different CRAs when deciding on a loan - Chase tends to EQ, Amex to EX for example.
Mortgage and auto dealers usually pull all 3 and use the middle score
The slide from grace is really more like gliding And I've found the trick is not to stop the sliding But to find a graceful way of staying slid