Different TransUnion FICO Scores

[Anonymous]

Hello - For the past several years I have been monitoring my TRANSUNION-FICO score through my bank, it is updated monthly and I am notified of any major changes or oddities...which is great.

During a pre-qualification for a mortgage my credit was pulled (expected) and the TRANSUNION-FICO score provided on the report was almost 30 points lower than what my bank was providing. I understand that there are different formulas for credit scores when they are pulled, but since they were both TRANSUNION-FICO...I was expecting the same. Am I wrong? What would cause such a drop even though all of the negative aspects of my credit (2 dings) were the same on both reports?

Any help would be great, it seems like a simple ask...but neither my bank or TRANSUNION could provide me with a direct answer.

[AllZero]

Scores used for mortgage application are EX2, TU4, EQ5.

Free mortgage scores

EX2 + 3 Bureau report for $1 at Experian or CreditCheckTotal (part of Experian). Cancel in 7 days or less to avoid the reoccurring charge.

TU4 WyHy quarterly score. Not sure on membership requirement. Maybe hard pull TU?

EQ5 Get a savings account with DCU. Soft pull EQ to be a member. Free monthly score.

You can also obtain your 3 bureau mortgage scores at FICO Advanced . Cancel plan after you obtain your scores and reports to avoid re-occurring monthly charge.