Why is the score I received directly from the credit bureau different from the score the credit union obtained?
The credit union requests the FICO score along with your credit report. The scores provided to you directly by the credit reporting agencies are their own proprietary models. This means that the scoring model the agency provides to you is not necessarily the same model the credit union purchased. Also, if any information has changed in the time between the credit unions report and your report, the score will naturally be different.
