Explanation
Credit scores are produced by scoring models — most commonly FICO® and VantageScore® — using the data reported by lenders, collectors, and other furnishers to the three nationwide credit bureaus: Equifax, Experian, and TransUnion.
Scores are not stored at the bureaus. They are calculated on demand each time a lender, landlord, or service provider requests one, which means the same person can have different scores at the same moment depending on which model and bureau is used.
Examples
- •FICO® 8 (most common consumer score)
- •FICO® 9 (newer treatment of medical collections)
- •VantageScore® 4.0 (used by many free monitoring tools)
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