 TITLE: Do Credit Reports Include Credit Scores? CONTENT: What Is My Real Credit Score?\n-----------------------------\nWhen evaluating loan applications, lenders choose the scoring system(s) that best suit their needs. They may use one or more commercial scoring systems (such as the FICO® Score and VantageScore) or even employ their own custom scoring tools. Lenders may choose to base scores from those systems on data from one, two or all three national credit bureaus.\nSince different lenders use different scoring methods, you do not have a single definitive credit score. As a result, the credit score that matters most for you is whichever one a lender is considering in connection with your loan application.\nIf your credit application is ever denied based on a credit score, or if a score leads a lender to offer you credit with interest charges higher than its best available rate, the lender must inform you which scoring system was used and what score you received.\nBecause all credit scoring systems respond similarly to good credit habits, however, steps that bring an increase any one credit score will typically lead to improvement across all credit scoring systems. END