 TITLE: What Is the Difference Between FICO<sup>®<\/sup> Score and Credit Score? CONTENT: Why Do I Have Different FICO® Scores?\n-------------------------------------\nAs mentioned above, FICO® creates different FICO® Score models to work with each credit bureau's credit reports. And, FICO® periodically releases new FICO® Score models to incorporate changing consumer behavior, new regulations and technological advances. Because not all lenders and businesses use the same scoring models or versions, you may have several—or even hundreds—of credit scores.\nFor example, the FICO® 10 T score is a variation of the FICO® Score 10, the latest version of the company's base scoring model. It's the first FICO® Score to consider trended data—a look at how you've managed accounts over the past 24 months. But lenders may use older models, such as the FICO® Score 8 or FICO® Score 9—or even older versions—when determining whether to approve a loan or credit card application. Or they may choose to use one of VantageScore's credit scoring models, such as its most recent 3.0 and 4.0 versions.\nFICO®'s base scores aren't intended for a specific type of lender or loan. But FICO® also creates industry-specific scores for auto lenders and credit card issuers. These models build on top of a base model to give creditors in that industry a more tailored score, which ranges from 250 to 900. END