 TITLE: What Is a Merged Credit Report? CONTENT: Why Do You Have More Than One Credit Score?\n-------------------------------------------\nDon't be surprised if you check your credit scores, or see them on a copy of your merged report, and notice that they aren't all the same. Not only is this common, but it's to be expected.\nCredit scores are based entirely on the information in your credit report, and they can vary depending on both the scoring model used to calculate it and the credit report that's being analyzed. For example, Experian gives you a free FICO® Score 8 credit score, but one of your lenders or card issuers might give you a VantageScore 3.0 credit score. Even when both scores are analyzing your Experian credit report, the differences in the scoring algorithms will likely result in different outcomes.\nWhen the same model is used, the resulting scores can still differ based on which credit bureau provided the report. Much of the information in your credit report is provided by data furnishers, such as lenders and collection agencies. But these furnishers don't have to send information to all three bureaus, and some may choose to only report your account to one or two of the bureaus.\nThese differences in your credit reports can result in varying credit scores. It's also why some lenders may want to review a merged credit report before agreeing to give you a loan. END