FICO, Experian, Equifax and TransUnion are all different credit bureaus calculating credit scores. A borrower’s credit score will impact mortgage pricing. If there is a significant difference in the expected score and the actual score, this may indicate fraud or an incorrect reporting status on an account. Both should be resolved by obtaining and identifying anomalies. Borrowers can also chart a path to their desired score if they are near a score in the next highest bracket.