How come my credit report is different when a mortgage company runs it?

ok I monitor my credit through creditexpert.com which is part of experian. I went through 2 different morgage lender but when they print out my credit report, some of them is not showing on another, and some of them doesn't show on my report on creditexpert.com?

How come my credit report is different when a mortgage company runs it?
different lenders or companies use different models.


there's a new model coming out every year.





like the new fico model coming out in september that will not allow authorized users for scoring.





the point is this.....Windows came out with a new program called Vista. Most of us are still using Windows XP even though the new model came out.





It's up to company to use the new model or not. If they continue to use the older models....then you'll always have different scores. Also..some lenders dont use FICO
Reply:Well there are three credit reporting agency's and they all have their own way of calculating your score so this produces three different scores.





Add to this the fact that some lenders do not report to all three credit bureaus and this explains the differences.





Now there are also three different types of credit bureaus that lenders pull. There is the standard one which is the one people get from the net or the credit reporting companies, there is the auto enhanced version which is the one the car dealers and lenders look at and there is the factual version which is the one the mortgage lenders look at.
Reply:then quit paying creditexpert until you straighten out your


three credit bureau reports individually. Then they should


all be the same





www.creditinfocenter.com
Reply:Trans Union, Equifax and Experian are where your info is stored. You should monitor all three to ensure accurate info, not just Experian.