Why your credit scores may not all match.

Credit scoring models use information from credit reports, but different models can weigh that information differently.

A credit score is a numerical expression derived from an analysis of an individual's credit history and credit report, used to estimate the relative likelihood that the individual will repay debts and meet other financial obligations. As a standardized and comparatively low-cost method of evaluating borrowers, credit scoring serves as a primary alternative to traditional forms of loan underwriting, enabling faster and more consistent credit decisions.