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Credit Scores – How Many are There?

When applying for any type of credit, lenders want to know what risk they would be taking by lending you the money. The way they evaluate this risk is by pulling your credit reports. Sometimes they pull just one, other times they may pull all three reports. The most common credit score used is your FICO score. This score is an assessment of all of the information on your credit report. The FICO score provides an unbiased evaluation of your credit risk and helps consumers obtain credit more quickly and fairly.


The three main credit reports are Equifax, TransUnion and Experian. Each report may have different information depending on how your creditors report your accounts. creditors are not required to report to all three credit bureaus. This is one of the reasons you may have several different credit scores depending on where you get your information. The same reporting agency could have 19 different FICO scores.

The score you should focus on depends on the type of credit you are applying for, and where the lenders pull your report from. Follow the link to use reference the chart as a guideline: