Lender Scores Different From Credit Bureau ScoresThanks, in advance, for any guidance you can share!My wife and I are looking to purchase a new home and we're having trouble with the mortgage companies and the credit scores they say they are coming up with. My wife and I both subscribe to credit monitoring directly through Transunion and Experian. Through this service, we track all three major credit reports and credit scores. The day we sought pre-approval for the mortgage (30 year conventional), we refreshed our reports and the scores were as follows: Me - 799, 766, 710 / Wife: 720, 715, 712. With these scores, and our combined incomes of nearly $200,000 annually my wife and I thought we were in a good position for a mortgage.Following a review of our application, the lender returned with a very different set of credit scores. For me, he had 670, 661, 610 and for my wife he came back with 710, 690, 670 - and based our interest rate at the lowest middle score - 661. In objecting to the lenders findings, they told us the scores Transunion and Experian and Equifax provide us on our credit reports are not the scores they use to determine credit worthiness for mortgages.Can anyone help explain what is going on here? When calling Transunion to ask about the scores the lender received, the representative didn't know what I was talking about and said that while there are different scores for different types of credit being sought, the scores are generally all the same and are very near to the scores we see with credit monitoring.We're not looking to by a million dollar home - our price point is $500,000 - well below what we could afford with a 30 year conventional. We just need to know what the lender is looking at so that we can try to improve those scores.July 05 2013 - Princeton Township00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.