Credit score model
Credit scores & reportsThe formula or system used to calculate a credit score.
Overview
Each credit agency uses its own scoring model and range.
Lenders may also use internal models alongside agency scores.
Why it matters
- It explains why scores differ across agencies.
- It shows why lenders might see different risk levels.
- It highlights the limits of a single score.
FAQs
Do all lenders use the same score model?
No. Many lenders use their own models or adjust agency data.
Can I see the model used to score me?
Credit agencies publish general factors, but exact models are not usually disclosed.
Related terms
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