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What is a Credit Score?

Obtaining Your Credit Score

Remember, because there are different credit bureaus, you will always have more than one credit score. You will have at least four credit scores: your FICO Score, your VantageScore, and the credit bureaus' proprietary scores. Equifax uses BEACON, TransUnion uses EMPIRICA, and Experian uses VantageScore. Each of your credit scores will be different because each of the credit bureaus maintains separate files of your credit history, and not all creditors report to each bureau.

The credit bureaus charge an additional fee (not to exceed $9.00) to provide your credit score along with your credit report. You can also obtain your score as part of a creditor monitoring service.

> What Is a Credit Report?