It's easier to simplify things by saying "credit score," but the reality is that the credit scoring system is based on different models, plus there are three different consumer credit bureaus ...
Credit reports are compiled by credit reference agencies (CRAs) - the three main agencies in the UK are Experian, Equifax and TransUnion. There's no such thing as a universal credit score. Each lender ...
That information is tracked by Experian,, TransUnion and Equifax. Since each credit reporting agency has slightly different information in its files, your FICO score can vary depending on which ...
Although they are all called a FICO score, the credit scoring company that produces FICO created different scoring models for Experian, Equifax, and TransUnion, as well as models for different ...
When you apply for credit, the lender typically reviews your credit history from one of the credit bureaus. This process might sound mysterious if you're unsure what the credit bureaus are and ...