Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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The issue is that nobody can tell you how your credit score is calculated by any company because each credit bureau has their calculation method copyrighted and protected as confidential proprietary information. If you had a mortgage company with that large of a difference in credit scores from what the major three credit bureaus have, they are using an off brand credit bureau and you need to get to a new mortgage company and when you go you need to bring in your credit report from the major 3 credit bureaus.There have been people out there who claim to tell you exactly how the credit bureaus calculate the scores, but they are making it up because the credit bureaus keep those calculation methods a closely guarded secret (like the formula for Coca-Cola).