 TITLE: Why Do I Only Have a Credit Score With One Credit Bureau? CONTENT: Why Can Your Score Differ From Bureau to Bureau?\n------------------------------------------------\nIt's highly unlikely that you will have the same FICO® or VantageScore scores from each of the three credit bureaus. Your scores, however, should be directionally similar, meaning if you have great credit reports, you will have great credit scores regardless of which credit report or credit score brand a lender chooses to use.\nThe primary reason your scores probably won't be exactly the same is that your credit reports are unlikely to be identical. If you have different credit reports, you'll have different credit scores. A secondary reason, which applies only to FICO® Scores☉ , is that the scoring models are different across the three credit reporting agencies. So, even if you did have identical credit reports across the three credit bureaus, your FICO® Scores would still be different. This does not apply to VantageScore's credit scoring models, as they are identical across the three credit bureaus.\nIt is possible that you can have scores on just one or two of your three reports. The reason why this can happen is that all of your credit reports must qualify to be scored, meeting minimum credit scoring criteria to make them scoreable credit reports. END