The reason credit scores vary from credit reports, and creditors, is because there is a fakko score, a vantage score (used by Experian) and the the most accurate Fico Score. You can get the same credit scoring method that creditors use when they pull your credit for mortgages, auto loans, and credit cards. This credit score variation only deals with a credit score from the CRA and the third party.

The reason that credit scores vary between credit reporting agencies, is because they have their own algorithms on how to score credit reports, another reason for variations, is differences in reporting. One agency might have a delinquent account on it, while the others do not, or some locations pull from the same CRA, so you may have many more inquiries from one credit reporting agency, which would lower your score.

Myfico.com offers a credit score watch to keep track of your score and any major changes, that might affect your ability to get a loan, or factors that would change your interest rate.

You may have also heard of Suze Orman’s Fico Score Package to give you the tools to protect your identity, your important data, and your credit score.