by ‎09-01-2010 11:24 AM - edited ‎09-01-2010 11:30 AM

There have always been different - newer/older - versions of FICO scores used by lenders. While some lenders may pull versions that are different from the Equifax and TransUnion FICO scores offered on myFICO, I can assure you that the scores provided by myFICO are the "real" FICO scores used by lenders.  In addition to the possibility that different versions of the scoring formula may be a reason for the discrepancies in scores you're seeing, changes in the information on the reports may also be causing these differences.