Well according to what I’ve been reading, different lenders use different scores depending on what you are trying to purchase. This is new to me but apparently auto loans, mortgage loans, and credit cards use different scoring systems. That’s why sometimes people check their scores the day they are going to buy a car and when they get to the dealer, their score differs from the one they got earlier. Even when purchased from the same credit agency!
Apparently MyFico provides TransUnion “Classic scores”, used by some mortgage lenders. But,here’s the funny part, there are two different Classic Scores, which often vary by 1-30 points. This means that you might be pulling your Fico score at MyFIco before applying for a mortgage, and still get a different score at the bank!
Here’s an interesting thread about this topic: http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Real-FICO-score/td-p/481964