Today, there are a lot of sites that offer credit scores. However, you may notice that you have different credit scores across these different sites. But why is that? To answer this question, we'll first need to identify how credit scores are calculated and where they come from.

In this article, we'll be taking a look at why your credit score is different on different sites.

Where Credit Reports Come From

Credit scores come from the information present within your credit reports. And this is where the credit reporting bureaus come in. In the U.S., the three major credit reporting bureaus are Experian, Equifax, and TransUnion. These credit bureaus are in charge of collecting and compiling your credit information into credit reports. And it's these credit reports that go into credit-scoring models that spit out credit scores. 

Unfortunately, there are many different credit-scoring models. And not one of them shares the same algorithm to calculate credit scores. This results in you having many different credit scores. In short, your credit score is different on different sites because the sites get credit reports from different bureaus, they use different credit-scoring models or a combination of the two.

Each Credit Bureau May Have Different Data Furnishers

A data furnisher is an entity that sends consumer credit information to the credit bureaus. These data furnishers can be your everyday businesses, such as banks or even landlords. Unfortunately, the law doesn't require data furnishers to report to all three bureaus. In fact, the law doesn't require them to report your information at all.

As a result, different credit bureaus may receive different credit information about you. And this is fairly common. In fact, it's one of the many reasons why your credit score is different on different sites. To explain, let's assume that you're making loan payments to your lender regularly. If your lender reports to only one bureau, that bureau will have more of your credit information. Consequently, this means that the other two bureaus lack some of your credit info.

Different Sites May Be Using Different Credit-Scoring Models

As mentioned, your credit scores come from the information in your credit reports. But, to turn your credit report into a three-digit number, it needs to pass through a credit-scoring model. However, there are many different credit-scoring models out there. And many different versions of those models.

In other words, if a site uses one credit-scoring model that the others don't, it can result in a different score. In fact, even if they use the same credit-scoring model, but use a different version of it, the result may still be the same. And so on, and so forth.

Different Sites May Have Different Levels Of Access To Your Credit Information

The Fair Credit Reporting Act (FCRA) is the federal law that promotes the accuracy and privacy of your credit information. It's also this law that limits access to your credit information to only permissible purposes. This means, if a site doesn't have a permissible purpose, or doesn't have your consent, they may see a different report. Sometimes, none at all.

In other words, some sites may have full access to your credit information. While some only have limited or no access at all. And this may result in you having a different credit score on different sites.

The Importance Of Your Credit Scores

Credit scores are what lenders use to determine your creditworthiness. In other words, your likelihood to repay a loan or credit card. A higher score, regardless of the bureau, gives you a better chance of qualifying for financing. Particularly, for better terms on those financing options, such as lower interest rates.

However, credit score-use exceed the bounds of credit and lending. In fact, it plays such a significant role in your life more than you think. Because landlords, utility companies, insurers, and even employers all use credit scores. Specifically, to judge whether you're worthy of doing business with.

The Bottom Line

There can be a number of reasons why your credit score may be different between sites. However, it's more than likely because of the difference in credit bureau, data furnishers, and the credit-scoring models they use.

With that said, however, errors in credit reporting can also result in different credit scores. Fortunately, you have every right to dispute inaccurate, incomplete, and fraudulent information on your credit reports. Specifically, to correct and remove these errors. Call us at 888-799-7267 to schedule a Free Credit Consultation.

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Are your scores the same but not in the best of shape? Then, get in touch with us!

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