Credit score you see may not be the one the lender does.

http://bkhelpnow.com/wordpress/2012/09/25/credit-score-you-see-may-not-be-the-one-the-lender-does/

The credit scores that consumers buy from credit reporting agencies sometimes differ from the scores lenders see when deciding the terms of loans, potentially to the detriment of the consumer, a U.S. watchdog agency said on Tuesday.
About one in five consumers purchasing a credit score is likely to receive a substantially different score than a potential lender would see, according to the report from the Consumer Financial Protection Bureau.
That could lead those consumers to waste time applying for loans they cannot afford or to take out loans with worse terms than they could get if they saw the same score as the lender, the consumer agency said.

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