FICO Score Credit Score

FICO Score Credit Score is given from each of the three credit bureaus, Equifax, Experian and TransUnion. This score could vary from one credit bureau to another due to the current information they have in your credit file. Your credit score is a mathematical model that evaluates many different types of information in a your credit file. 

All FICO Scores and the new kid on the block -VantageScore, are both used by lenders. These credit scores help them determine whether you might qualify for a particular credit card, loan, or service.

Most credit scores estimate the risk a company incurs by lending you money or providing them with a service. In other words, the likelihood that you would make your payments on time in the future. The higher your credit score, the less risk you represent to a lender. You should always stay on top of your credit reports and credit score before you apply for any loans or credit card.

Your Credit Score Constantly Changes

The credit score you saw last year or even last week for that matter, was a snapshot of your credit file at that moment in time. Credit scores are fluid and can change anytime your credit report file is updated with new information. The value of maintaining a high credit score could be worth thousands of dollars to you over the course of a loan. People with the best credit get lower interest rates and even preference for employment opportunities.

Monitor both FICO and VantageScore

It a good idea to watch both your FICO and VantageScore credit scores to make sure neither has been affected.

  • Get a copy of your credit report every year.
  • Get your free credit score from one of these VantageScore partners:, Credit Karma,, LendingTree, myBankrate,, Quizzle or WalletHub.

FICO Score Credit Score

Only FICO and VantageScore will give you the actual credit score number that lenders use. Chances are that sites other than the ones mentioned here would only give you their estimate of your credit score. Why not get your credit score number right now and get the credit score number that lenders use?

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