Why is the FICO score my Bank got different than MyFICO's?

[Anonymous]

I recently got my scores via MyFICO and the next day applied for a Mortgage. The scores my Bank reported that day were considerably lower than the MyFICO ones. Eg, the Experian "Fair Isaac" brand score was 22pts lower than what I received the day prior from MyFICO. Nothing (that I know of) has changed recently in my credit situation, so I was quite surprised there was such a difference. Anyone have an idea why.

[Anonymous]

I would ask for a copy of your credit report from the bank. Ask them to print it out for you. Things can change that fast with scores in just 1 day if lets say a credit card reported a new balance later that night or next morning. I would want to compare the reports for each lender side by side. It would be odd that all 3 are different from MyFICO. Unless some bank messed up in the inquiries and listed them as non-mortgage inqs. Then you can get hit right away up to 10 points for each inq. Definitely would want to investigate. The other possibility is that they use different ver of software or non-FICO scores. You will need to do some research but first I'd compare both reports.

[Anonymous]

Well myfico is certified fico scores, perhaps who your bank uses is not? I used true credit and pulled my scores and then pulled myficos scores and there were differences!!!

True credits are

592 Trans

631 Equifax

536 experian

My fico's are

615-Trans

675-Equifax

587-Experian

as you can see quite a little difference!!!!!!!