why are all my fico scores different?
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When the scores are significantly different across bureaus, it is likely the underlying data in the credit bureaus is different and thus driving that observed score difference. ... So, make sure the credit scores you are comparing are actual FICO Scores. The FICO scores should be accessed at the same time.
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Credit unions may use different credit scores than national banks because the customers at each use credit differently. ... The same is true of credit scores. All credit scores use the same information from your credit report, but they treat the information slightly differently to meet the needs of the lender.
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A high FICO score means that in the past you have always paid back the money owed on time and are very unlikely to default on a payment. A good score will encourage the lender to approve your new loan. With every loan come some strings attached.
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Your FICO® Score falls within a range, from 740 to 799, that may be considered Very Good. A 750 FICO® Score is above the average credit score. Borrowers with scores in the Very Good range typically qualify for lenders' better interest rates and product offers.
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Industry-Specific Credit Scores Experian and Equifax provide 16 different FICO credit scores to lenders, while TransUnion has 21. More are added each year. Industry-specific scores are optimized for specific credit products like auto loans or credit cards.
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An 834 FICO® Score is nearly perfect. You still may be able to improve it a bit, but while it may be possible to achieve a higher numeric score, lenders are unlikely to see much difference between your score and those that are closer to 850.
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Score providers, such as the three nationwide credit bureaus -- Equifax, Experian and TransUnion -- and companies like FICO use different types of credit scoring models and may use different information to calculate credit scores.
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816 Credit Score: Is it Good or Bad? Your 816 FICO® Score falls in the range of scores, from 800 to 850, that is categorized as Exceptional. Your FICO® Score is well above the average credit score, and you are likely to receive easy approvals when applying for new credit.
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813 Credit Score: Is it Good or Bad? Your 813 FICO® Score falls in the range of scores, from 800 to 850, that is categorized as Exceptional. Your FICO® Score is well above the average credit score, and you are likely to receive easy approvals when applying for new credit.
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Things to know about FICO® scores So even if you view your FICO® scores, say, through your bank, they won't necessarily be the same scores the lender sees when you apply for credit. Base FICO® scores range from 300 to 850 and are made up of the following factors: Payment history: 35%
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757 Credit Score: Is it Good or Bad? Your FICO® Score falls within a range, from 740 to 799, that may be considered Very Good. A 757 FICO® Score is above the average credit score. Borrowers with scores in the Very Good range typically qualify for lenders' better interest rates and product offers.
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Your credit report does not contain information about your gender, race, religion, national origin, marital status, political affiliation, medical history, criminal record, or whether you receive public assistance. ... “Lenders may consider this information, however, as may other types of scores,” FICO notes on its site.
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Generally, a FICO® Score above 670 – 700 is considered a “good” credit score, and a score above 800 is considered “exceptional.” On average, most credit scores fall between 600 – 750, which is considered “fair” to good. A “poor” or otherwise bad FICO® Score is anything below 580.
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Discover provides your FICO® Score 8. Lenders use several different kinds of FICO® Scores, depending on the type of loan they provide. Discover provides your score from data on your TransUnion® credit report. Scores may vary when using data from your Experian or Equifax credit report.
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318 Credit Score: Is it Good or Bad? Your score falls within the range of scores, from 300 to 579, considered Very Poor. A 318 FICO® Score is significantly below the average credit score.
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You both have individual FICO Scores; you do not have a joint score. When you apply for credit stating your joint income, lenders will usually look at both of your FICO Scores when evaluating your loan application. Joint accounts, like credit cards, will affect both of your scores.
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The base FICO® Scores range from 300 to 850, while FICO's industry-specific scores range from 250 to 900. The first two versions of the VantageScore ranged from 501 to 990, but the latest VantageScore 3.0 and 4.0 use the same 300-to-850 range as base FICO® scores.