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Why do I have different credit scores?

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Credit scores represent your creditworthiness. They can vary for several reasons, according to the search results.

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Different credit scoring models: There are different credit scores, credit score providers, and ways to calculate credit.

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Although credit scores are calculated using the info in your credit reports, there are many different credit scoring models.

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One model may place more importance on one factor, such as payment history, while another may not.

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Different credit bureaus: Your credit scores may vary based on which credit bureau furnishes the report.

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Not all lenders and creditors report to all three nationwide credit bureaus. Some report to only two, one, or none at all.

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Different scoring dates: Scores might change, so compare them from the same date. Scores from different dates may vary.

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Different scoring versions: There are dozens of versions of credit scores, from base scores to industry-specific scores.

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Different credit products: The types of credit scores used by lenders and creditors may vary based on the industry too.

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