 TITLE: Why Is My Credit Score Different When Lenders Check My Credit? CONTENT: What Credit Score Do Lenders Use?\n---------------------------------\nThe two main companies that produce and maintain credit scoring models are FICO® and VantageScore. Lenders most commonly use the FICO® Score to make lending decisions, and in particular, the FICO® Score 8 is the most popular version for general use. If you've taken an interest in the health of your credit and how lenders will view it, checking your FICO® Score 8 is a smart place to start.\nThere are, however, many types of FICO® Scores. FICO® has released updates to its basic score over the years, and the FICO® Score 10 is the most recent. Mortgage lenders most often use older versions to assess applicants: the FICO® Score 2, 4 or 5.\nThere is also the FICO® Bankcard Score (used to make credit card lending decisions) and the FICO® Auto Score (used to make auto lending decisions). If you know you're interested in a certain type of credit, it could be worthwhile to check beforehand the specific score type you know a lender will look at. END