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Question By
Garyallen1960

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You say I have a 628 credit score, but in reality, I have a 547! Not even remotely close!
It's understandable that this site is to be used as a tool to keep an eye on your credit rating and activities, but, c'mon, people, you are off almost 100 points! smh

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There is no ONE absolute credit score, as is explained in the articles on this site.  There are numerous ways of calculating credit scores, and the ones here are done using  the Vantage 3 method, as is noted on this site.  I have benefitted from the knokledge gained from reading the articles, you can too.

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Reality check!

You have over 300 differenct scores. 

There are over 300 scoring algirithums in use in the US today. the Big 3 credit bureaus are not the only ones handing out scores, and FICO has 8 different models for FICO scores depending on what type of credit you are applying for. 

So there is Not any one score for anyone.

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