Online credit reporting tools utilize more lenient credit scoring models compared to stricter mortgage credit reports
Online credit reporting tools often yield higher credit scores than those that mortgage lenders pull with their reports.
This is because the scoring criteria that mortgage lenders use is more stringent than the scoring criteria used by the online tools, such as Credit Karma. Credit monitoring apps use soft credit pulls that do not impact your scores, but also can be misleading since they use lenient scoring models.