<prompt> Human: So my FICO score is currently not great, just 680, but I need to move house for work and the bank credit union is saying that when they pull my score it is around 600 and so will not be able to give me a new mortgage on a new house. What on earth can be going on? I am scared to shop around for mortgages because I dont want lots of credit checks bumping it down further.  <response>: Mortgage lenders typically use whats called a tri-merge report, which is FICO 2 through through Experian, FICO 5 through Equifax, and FICO 4 through TransUnion. Youre probably getting FICO 8 from your credit card companies, though it might be FICO Bankcard 8. You can call and ask which credit model and bureau they are using. 