09/09/2026
True or False?
You Have Multiple Credit Scores?
True! Surprisingly, you don't have just one credit score. You may be familiar with FICO and VantageScore—the primary companies behind credit scores. Both parties keep multiple scores for different types of credit (like loans and credit cards). Luckily, what you do to improve one of your scores typically improves all of them.
Plus, each scoring model pulls from one of the three major credit bureaus: Experian, TransUnion, or Equifax. And since creditors aren’t required to report to all three, your credit reports may contain different information. As a result, you might see varying scores even when using the same scoring model.
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