Credit Advice

That's how credit scores are normally calculated... along with other algorithms.

But if you're talking about what you see on this site, I believe they're getting the score from just TransUnion. (I believe it's TransUnion)

But overall your score is the middle number AMOUNT.

I use a 3 in 1 service. It's better than just from one source, but the downfall is that you won't get updates daily from the other bureaus. Whatever bureau the 3 in 1 service uses to generate your 3 in 1 report, they're only going to update you with the bureau they pay for and it's everyday. But the other bureaus in that report won't get updated but once every 30 days.

So, technically, for anyone to have a down-to-the-day credit score, they would need to have a service (paid) with each of the companies that have a main bureau they get their data from in order to really know your credit score up-to-the-day from each bureau.

There are multiple types of credit scores available, and different ones are used at different times. Most scores that you see are calculated only from the information with one of the agencies. Sometimes, a creditor may collect all three FICO scores and either average them or take the median.

Some of the articles on this site help with understanding, such as this one that describes some differences among different scores: http://www.creditkarma.com/article/differentscores

But, typically, the credit score components include (but are not limited to) the number of credit lines you have total, number of open credit lines, payment history, revolving credit utilization, mixture of revolving vs installment credit, and number of 'hard' inquiries. Each type of score uses their own methods of calculating scores off this and other information.

This site uses the TransUnion score only.