 TITLE: Why Do I Have So Many Credit Scores With One Credit Bureau? CONTENT: What Makes Up a Credit Score?\n-----------------------------\nWhat all credit risk scores have in common is they all consider information from your credit reports. Both FICO® and VantageScore credit scores consider your payment history, your debt, the age and diversity of your credit reports, and credit inquiries. The scoring models, however, do weigh the information differently, which is another reason your scores are unlikely to be the same across score brands.\nIf you pay all your bills on time, you will never have to worry about having a poor payment history. If you maintain reasonable amounts of debt, especially credit card debt, you will perform well in the debt category. If you only apply for credit when you actually need it, then you won't load up your credit reports with an excessive number of credit inquiries. As your accounts age, you can also see a score benefit thanks to the increased length of your credit history. If you perform well across all of these categories, your FICO® and VantageScore credit scores will likely be strong. END