<prompt> Human: In a span of three weeks my credit score dropped 250 points. Mortgage lender checked my credit score and it was mid 700s. Got approved for a mortgage, all was well. Got a letter from electric and gas 3 weeks later asking for a security deposit because of low credit mid 400s. Credit score from lender is reliable, and credit score through utilities was experian. Checked credit report on Equifax, and nothing was out of order my mortgage isnt even on it yet. Checked with Experian... and it wont let me access the report without mailing it in with proof of ID. Im contacting my lender tomorrow to ask what might have happened. No late credit card payments, school loans, nada! Does anyone have an idea about what might have happened?  <response>: Lender here, out in the Bay Area.We use the middle of your three FICO scores.Ive seen several cases where someone had a score with one of the 3 credit reporting agencies is way out of whack. Which is why we pull all three, not just one the way your utility company apparently is. 400, 700, 750... we use 700. 500, 550, 800... we use 550.I usually give my two out of three are good clients an FYI that while it does NOT affect this specific transaction, they may want to look into that. 