I paid for two myFICO scores from the myFICO website last week, one Experian and the other Transunion. They were 730 and 704 respectively. I printed them up and

took them to a mortgage lender, along with other documents, knowing that they would also pull their own score. The lender pulled scores within an hour later: 675!!!!!  - and disappointingly, I was told to "sit tight for a while longer" and get "a longer paid on time history" - though mine is four years since any late payment. I was told that I wouldn't want to pay the high interest on a loan (that the bank wasn't actually even offering, based on that 675 score....)

How can the scores that consumers pull be so "off"? What a waste of money!!!! I feel completely misled by what appeared as the expensive myFICO scores. 

I am outraged at the SECRECY and CONFUSION surrounding this jumble of differing formulas and calculations. The same information appears in each of the three

reporting agencies on me, as I have spent years honing it to be accurate, yet the scores vary wildly. What a crock!