Ditto to the prev. suggestion. Scores can change everyday. For a fair comparison, you'd need to pull that day. Even 1% can throw your scores off in some situations. Last year I applied and received a loan. They pulled TU98 and the score matched here. In January, we got a mortgage and EQ exactly matched for DW and I. TU did not, but that was because the lender used a differed TU FICO version.