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Three Bureau Credit Report
Experian
Three Bureau Credit Report
Equifax
TransUnion Credit Bureau
TransUnion

What is the FICO Score?

Many people talk about a FICO score; however, it is not just one score. Each person has three FICO scores, one for each of the three major credit agencies. It can range from 300 to 850 and is created from the various data in the credit report. The calculation was developed by the Fair Isaac Company, which is where it gets its name.

In 2006, the three agencies debuted the VantageScore, a scoring system similar to the FICO score, but created separately. The goal with this score was to further indicate whether someone would pay their bills or not. It uses a process similar to the FICO score, except the numbers go from 501 to 990 and the percentages of the influencing categories are different.

The VantageScore considers how recent a person's credit is and how much available credit they have that they could use immediately, in addition to the standard factors used in calculating the FICO score.

  1. The Truth About Credit Scores
  2. Factors that Affect the Credit Score
  3. How a Credit Score is Calculated
  4. The Three Credit Agencies
  5. What is the FICO Score?
  6. Laws That Affect the Credit Score
  7. What Companies and Institutions Look For
  8. How to Improve Your Credit Score

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