Different lendors license different versions of the FICO scoring models. What you get on myFICO may not be the same as the model licensed to your creditor.
This is particularly true for special market creditors, such as auto and mortgage lendors. They use a whole different set of models licensed from Fair Isaac that emphsize risk areas that they deem more important to their consumer market.
There is really no such thing as a single Transunion FICO Being labeled as a TU FICO score tells you only two things. The data used to generate your score was based on what was in your TU credit file, and that the algorithm used to produce it was licensed by Fair Isaac, in one of its many versions.
