What happened to our credit score ?

[Hoang P.]

Maybe some expert in here can tell me what's going on?
In the last 3 weeks, me and my wife went to 3 different banks and tried to obtain a loan. Fifth Third pulled our credit score on the spot from Trans Union on Mar 11th, my score was 739, my wife score was 794 (didn't go through with the application). Second week, went to US Bank, applied for commercial loan and still waiting to hear back from them. We were told that it takes 4-6 weeks for them to do whatever they needed to do, I don't know if they pulled our credit score yet or not. This week, we went to another bank applied for different type of commercial loan, got approved in 3 days and they pulled our credit score today (also from Trans Union). My score of today is 720 (down 19 points), my wife score is 814 (up 20 points). I'm confused, how come my score went down and my wife score went up ? Any explanation is appreciated.

[Ophelia Nicholson]

The most obvious answer I can think of is that diffrent banks/credit unions use a diffrent version of Transunion. The reason I'm saying a diffrent version is that both you and your wife's scores are exactly 19-20 points diffrent than when you originally pulled. There is TU 98 and TU 04 some lenders use 98 and others use 04 hence the variance. Other than that I'd have to find out more information as to the diffrence- Inquires, accounts aging etc