credit score watch

why is my refiance lenders score alot lower than mine?

I was just getting ready to refinancee and have been watching my credit score. right now I am using credit secure to keep up on my score. my middle score two days ago was 696 and yesterday my mortgage lender pulled my score and said it was a 650. I refreshed my report today and because I had paid off a credit card last month it finally kicked in and now shows my credit score as 706. question is how can my lenders scale be sooooo different than my credit report score? and if its just the different scoring scales is there a way I can check what he will have? I just dont get it!!!
actually what I’ve found out is most lenders use fico including mine, the score on other credit scoring sites use basically an estimate. so if you looking to refiance your lender is probably using the fico credit report which means you should be too…found out info from a friends friend who is a lender….

Lenders look at a lending credit report. I have no idea what kind of report credit secure gives you to look at. Prolly a waste of money though.