The score you get from any of the credit reporting agencies is not necessarily the score that will be used to determine your credit by any lender. That is a re

The score you get from any of the credit reporting agencies is not necessarily the score that will be used to determine your credit by any lender. That is a representative score based on one metric, I think Transunion is Vantage 3.0, but lenders can use any scoring system they want, the credit report will be the same but the score may be different. It really does show a complete lack of understanding of the credit scoring system on his part, see: https://en.wikipedia.org/wiki/Credit_score_in_the_United_States https://en.wikipedia.org/wiki/Credit_score_in_the_United_Sta...