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THCGal

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Why is there a difference in scores on site and scores reported to lender?
Why are the scores on CK site not the same as what was reported to lender. What was reported was lower than those on this site.

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Top Contributor
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There are many different ways of calculating a credit score depending on the matrix used by whomever is doing the calculating.  As was clearly indicated when signing up for this site, both scores are calculated using the Vantage 3 method and the scores here are just examples so you can see what impact certain financial decisions might have, without suffering dire consequences.  The scores here are just for your usde, are visible ONLY to you and are not reported elsewhere.

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