 TITLE: Why Do I Have So Many Credit Scores? CONTENT: Where Can You Find Your Credit Scores?\n--------------------------------------\nChecking your credit scores has never been easier than it is today. In fact, you likely already have free access to some of your credit scores. When I was seeking my credit scores, I started with the credit cards in my wallet.\nEvery single one of my card issuers offered me access to some version of my credit score for free. I figured this was a good place to begin, considering these banks already had access to my sensitive financial data.\nMy Capital One card provided a service called CreditWise, which showed a VantageScore® 3.0 score calculated from information on my TransUnion credit report. Citi showed me a FICO® 8 score based on data from Equifax, while American Express displayed a FICO 8 calculated using information from my Experian credit report. Discover, Chase and Barclays also offered similar services.\nNext, I checked Mint.com, a money management website I use to track my financial accounts. Mint offered me a free VantageScore® 3.0 as well, based on data from my TransUnion report. I also remembered that years ago, I had signed up for an account at Credit Karma, a website that offers free credit scores for educational purposes. I logged in and it updated my information, yielding the same VantageScore® 3.0 also based on TransUnion data. The number produced by Mint and Credit Karma was the same, which makes sense because they both employ the same scoring model using data from the same credit bureau.\nFinally, I am also a premium member of Experian IdentityWorks, which includes quarterly access to my credit reports at all three bureaus and the FICO® 8 Scores calculated from them, in addition to credit score tracking over time. I was able to see my three FICO® 8 Scores based on data from each credit bureau. (For the record, the three scores from each different bureau were very close, but not exactly the same. It reminded me to examine my credit reports more closely to see where the discrepancies might come from.)\nThe bottom line is that you can find your credit scores in four ways:\n*   By checking if your credit card issuer or other lender might offer it for free.\n*   By visiting a free credit scoring website like freecreditscore.com.\n*   By purchasing your score from one of the three consumer credit reporting agencies, such as Experian, or directly from credit scoring company FICO®.\n*   By visiting a nonprofit credit counselor, who might be able to pull your score for free and go over what it means. (Find one through the National Foundation for Credit Counseling.) END