re: Question about credit score

My lender used all of our credit reports as a basis, but actually had a completely different way to create a credit score. I don't recall what the range was, but our score ended up being over 900 (credit reports go to 850).

Make sure to pull both complete reports and make sure there are not any errors or omissions. Sometimes it can be a very small thing that can affect it. I.e., they have all the same credit cards, but one of them showed up several years later lowering your average score. You have more hard hits on one report bc your cable company ran 2 reports on you within 2 weeks on one report, but none on the other...