FICO Scores have become a standard for measuring credit risk in 90% of U.S. lending decisions. Lenders access billions of scores every year to help them make better-informed lending decisions.
You have a FICO Score for each of the three major credit bureaus: Equifax, Experian and TransUnion. Each credit bureau maintains their own records; therefore, it is not uncommon for your FICO Scores to be slightly different.
FICO Scores are calculated from data on your credit reports based on five main categories. The weight of any one ingredient depends on the information on your entire credit report.