 TITLE: What Is a Perfect Credit Score? CONTENT: How Credit Scores Are Calculated\n--------------------------------\nGeneric credit scores, such as the VantageScore, the FICO® Score, and the FICO Auto and Bankcard scores derived from the generic FICO® Score, are based on credit history data compiled in your credit reports at the three national credit bureaus (Experian, Equifax, and TransUnion).\nCredit score providers use sophisticated software called credit scoring models to analyze your credit report contents. Each model works differently, but all of them compare the credit decisions summarized in your credit report against behaviors that have been linked historically to the inability to pay loans. Based on the appearance (or absence) of those credit scoring factors in your history, their frequency and how recently they occurred, the scoring model assigns you a three-digit score that summarizes your risk of failure to repay. END