According to my paid subscription to TransUnion 's credit monitoring my credit score on XXXX XXXX, 2015 was XXXX. When XXXX XXXX bank pulled the score ( and I confirmed with XXXX underwriting department that all they did was use the score provided by TransUnion and did not generate the XXXX internally XXXX the score provided to them from TransUnion was XXXX. TransUnion can not explain the difference. They said XXXX must have used their own model. XXXX did not. Because of the score TU reported to XXXX I was denied credit. TU claims that the score they show the customer via their credit reporting membership service and the one potential lenders see are the same. However, they are not. They are n't even close!