How can penfed say my credit is 622!! But my bank says it’s 691 ?

[Jermell Shavers]

I don’t understand how banks can be so different ?

[Joe Splitrock]

There are three major credit bureaus and depending on the data and timing of the report, each can have a little different score. Some lenders even use a hybrid. You can request free credit reports annually and review the data. There may be information that needs to be corrected with one of the bureaus.