My question is how can a credit score from TU run on the same day by two different credit grantors differ by over 50 points? A hard credit inquiry would not have reduced the score that much. The second place we went to didn't seem shocked. The finance person said it is not unusual for a credit report to be run by them and you could go down the street, have a report run from the same bureau and get a completely different score. I understand that, but we're talking a score of 649 at the first place and 560 about an hour later. Both were run on a Saturday and the credit bureau was Transunion. Why such a big difference? Usually when you know your score when asked, it is usually very close to what it is when your report is pulled if you keep up with your score, How embarrassing this was!