Credit Advice

Each scoring system is slightl different.  Here is an article outlining the major ones: http://www.creditkarma.com/article/differentscores   This site use TransUnion.  Quizzle uses Experian.  The algorithms used by the two agencies are pretty close, and alot of the differences between the two have to do with the differences in data between what is reported to each of the sites. From a creditor standpoint, most use only one of the bureaus for most types of credit.  One bank may look at Experian when the offer credit cards. Another my look at TransUnion, and another may look at Equifax.  Then, there is the FICO scoring system, and a FICO score can be generated from each of the credit bureaus, which is different than the score that you get directly from them.  For mortgages, some have looked at your FICO from all three and averaged them.  Others would pick your top, and others would pick your middle. There is no one score a person has.  Each score is your score. That which a creditor uses depends on the creditor.