 TITLE: Why Do I Have So Many Credit Scores With One Credit Bureau? CONTENT: In addition to the numerous scoring models commercially available, there are other reasons why you can have so many different credit scores. Even if the same scoring model is used, the score may vary from one credit bureau to another because one report may have different information than another.\nFor instance, a lender may report to one credit reporting company but not the other two. Or, a lender may report updates to each of the three credit reporting companies at different times throughout the month. You can check and compare all three of your credit reports at AnnualCreditReport.com.\nBecause your credit reports can differ, your scores are unlikely to be the same. Your credit scores are determined solely by the information in your credit reports and if that information is different across your reports, your credit scores will also be different.\nAnother thing to know: Credit scoring models don't all use the same range of numbers when creating a credit score. The most commonly used versions of the FICO® and VantageScore models use a range from 300 to 850, but that's not universal. For example, other FICO® Score☉ versions have a 250 to 900 score range, and VantageScore versions 1 and 2 have a 501 to 990 score range.\nRather than focusing solely on the three-digit score, it's more important to understand what your score or scores mean to your lenders. If your scores are between 740 and 850, for example, then they are generally considered to be very good or exceptional and indicate very low credit risk. Conversely, scores 670 and below are considered to be fair or poor and indicate elevated credit risk. END