How can my score show significantly different values to me and to a bank the very same day?

[Anonymous]

I received an alert one day that my score dropped from 742 to 735. I was refinancing my mortgage and the very same day the bank checked the score. The FICO score showed 767 to them. I have a letter from them stating this fact. I had never been alerted on it being this high. It shows 735 to me to this date. How is this possible? This is veeeeeeeery confusing.

[fused]

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Confused_About_FICO_Score wrote:

I received an alert one day that my score dropped from 742 to 735. I was refinancing my mortgage and the very same day the bank checked the score. The FICO score showed 767 to them. I have a letter from them stating this fact. I had never been alerted on it being this high. It shows 735 to me to this date. How is this possible? This is veeeeeeeery confusing.

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I doubt they pulled Plus scores or some other FAKOs. Some mortgage lenders pull scores from different FICO scoring models, there not the ones we purchase at this site.

Some examples:

Beacon (EQ) range 350-950, Empirica (TU) range 300-850 and Experian Fair Isaac range 375 to 900

These are all FICO scores!

[Anonymous]

The bank indicated Equifax as the source and Equifax uses FairIsaac scoring. Right? that's on the myfico.com home page.