Credit Check for home loan

[Derek Johnson]

I have been approved for a home loan without having to sell my current home. I am looking into renting out my current residence and moving into another one. When they gave me my credit report I had a 769, 750 & 687 score. The 687 score is really dropping my average and I called the agency and they said that's not the score they had.

It was a FICO score and they said thy aren't affiliated with FICO. Where does the bank get this score? And who do I contact to get it staightened out? The FICO score reported my student loans as unpaid but I paid them off over a year ago. The other two agencies had the correct info. I called the "agency" with the 687 and they said it showed my student loans were paid off on their end, so where is this 687 score coming from?