There are multiple credit bureaus that generate scores and multiple scoring methodologies used.
Example Credit Bureaus:
Each of these bureaus may have different information about you based on what financial institutions have reported.
Example Scoring Mechanisms:
- FICO Score
You're most likely to see the VantageScore credit score when you enroll in a free credit report or credit monitoring service.
The Fair Isaac Corporation (FICO, the company) developed a unique model for each credit bureau, which can lead to different FICO scores from different bureaus. The FICO score is often used by lenders to price and approve credit.
Both FICO and VantageScore credit scores range from 300-850.