@Anonymous wrote:I had my credit pulled for a mortgage app 4/3 and my TU score was 670. Yesterday I paid on myfico and my score is now 628? Since the pull in April I had one open,unpaid collection deleted as well as two closed/paid collections. I would think that would cause my score to increase. Very confused. I also paid my credit card down, utilization from 65% to 18%. Thoughts?
Most likely your lender used a different version of the TU score than you can purchase here. They probably pulled TU04, and the version offered here is TU98. Don't sweat it, as there are often large discrepancies between the two, and your lender pull version is the one that most financial institutions seem to use.
