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What scoring formula does Barclays use?

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I applied for a credit limit increase with Barclays Bank for my Priceline Visa and asked for $50k and was awarded a total of $10k from my prior $4.5k in December 2012 opening.

 

However, the letter I got with the denial of full amount requested gave a credit score of 647 on 2/12/13 whereas my TransUnion score through Walmart card said 689 on 2/4/13.

 

Did my score really fall that much or are they using a different formula?

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Barclays is known to still use TU98.

 

For intellectual curiosity, you could buy TU98 from myFICO, and compare. :D

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