What Are The Different Credit Scores? - CREDIT SCORE

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CREDIT SCORE: What are the different credit scores?


In general, when people talk about "your score," they're talking about your current FICO score. However, there is no one score used to make decisions about you. This is true because:

  • Credit bureau scores are not the only scores used.
    • Many lenders use their own scores, which often will include the FICO score as well as other information about you.

  • FICO scores are not the only credit bureau scores.
    • There are other credit bureau scores, although FICO scores are by far the most commonly used. Other credit bureau scores may evaluate your credit report differently than FICO scores, and in some cases a higher score may mean more risk, not less risk as with FICO scores.

  • Your score may be different at each of the three main credit reporting agencies.
    • The FICO score from each credit reporting agency considers only the data in your credit report at that agency. If your current scores from the three credit reporting agencies are different, it's probably because the information those agencies have on you differs.

  • Your FICO score changes over time.
    • As your data changes at the credit reporting agency, so will any new score based on your credit report. So your FICO score from a month ago is probably not the same score a lender would get from the credit reporting agency today.

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