Credit reporting agencies

my lender did a credit check on me during my refinance, obviously, I asked for my scores, they told me three sets of scores. go figure.

maybe liz and suzie go bareknuckles to figure it out.

The three sources are different companies: Equifax, Transunion and Experian. They all use versions of the Fair Isaac Company ("FICO") algorithm. Most major discrepancies reflect differences in data gathering methods, not scoring.

A lender may simply use the middle score. Naturally, if one score is an outlier, it will trigger additional scrutiny.

By the way, I don't think there any reason to order credit reports through Fair Issac (fico/myfico). You can go straight to the bureaus.

fico/myfico charge 15.95 a pop, I will stick with annualcreditreport.com How often do credit scores increase and how can one improve their credit score?