 TITLE: Why Do I Have So Many Credit Scores? CONTENT: What Is a FICO® Score☉ ?\n------------------------\nWhile there are multiple scoring models out there, one of the most frequently used by lenders and other businesses is known as the FICO® Score, whose scale ranges between 300 and 850. (Most scoring models use a similar scale, though some go as low as 250 and as high as 900.) But even FICO® Scores can vary because there are several versions of the FICO scoring model. The most widely used FICO® version is FICO® 8, while the most recent one is FICO® 9.\nIn addition to the FICO® base score, there are also industry-specific scores issued by FICO®. These scoring models are developed with a specific goal in mind and allow lenders to be highly specific in their prediction model. For example, if you're planning on buying a car, you might want to check your FICO® Auto Score, because it's one of the most commonly used in auto lending decisions. If you're looking for a new credit card, FICO® Bankcard Score is one many credit card issuers use.\nOne other commonly used credit score is the VantageScore®, which is based on a scoring model developed in 2006 by the three major consumer credit reporting companies—Experian, Equifax, and TransUnion. The most recent versions are VantageScore® 3.0, the most widely used version at Experian, and the newly introduced VantageScore® 4.0, which are both also based on a 300 to 850 scale. END