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#Credit score ranges experian equifax transunion how to
#Credit score ranges experian equifax transunion software

Surprisingly, lenders aren’t required to report to all or any of the three bureaus. While most do, there's no guarantee that the information will be the same across the board, creating potential differences in your scores. Information provided to the credit bureaus: The credit bureaus may not receive all of the same information about your credit accounts.Your score differs based on the information provided to each bureau, explained more next.

Credit bureau: Credit scores are calculated using data listed on your credit report, which comes from one of the three major credit bureaus - Experian, Equifax or TransUnion.

Industry-specific scores represent the odds you’ll repay a specific loan, such as the FICO® Auto Score 9 used in auto loan decisions. Base scores, such as FICO® Score 8 or VantageScore 3.0, show lenders the likelihood you’ll repay any credit obligation.

Score version: There are dozens of credit score versions that are broken up into base scores and industry-specific scores.

But typically, lenders use one of the two main credit scoring models - FICO or VantageScore. Both companies evaluate the same main factors of your credit history like payment history and utilization rate, but use their own formulas to weigh each factor.

Credit scoring model used: There are several models out there for scoring your credit history.

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#Credit score ranges experian equifax transunion how to

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#Credit score ranges experian equifax transunion software

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