Credit Scores

Understand the Factors.
Stop Chasing Every Point.

Credit scores are outputs from scoring models using credit-report data. Different models, bureaus and dates can produce different scores.

SCORE EDUCATION

Factors, not magic.

Payment history
Amounts owed / utilization
Credit age
Why Scores Differ

One Person Can Have Many Credit Scores.

Different Models

FICO and VantageScore are model families with multiple versions.

Different Bureau Data

If the underlying report data differs, the calculated score can differ.

Different Dates

A score is a snapshot based on the information available at that time.

No score promises: NCES should educate about factors and habits, not promise that any action will produce a specific number of points.
Your Next Step

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Educational information is general and does not replace legal, lending, tax or other individualized professional advice. Results and lender decisions vary.