In general, the FICO Score 8 is the most commonly used score, though the auto and credit card industries use industry-specific scores such as the FICO Auto Score 8 and the FICO Bankcard Score 8, respectively.
In general, free credit score offers providing a true FICO credit score will only provide your FICO Score 8 from a single credit bureau.
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The information in your credit report is also used when bureaus and lenders calculate your credit score.
Your three-digit credit score is essentially a snapshot of your potential credit risk and can be a good way to monitor overall credit health.For over 100 years, consumer reporting agencies have been collecting, compiling, and analyzing data on the masses.It wasn’t until 1970’s Fair Credit Reporting Act (FCRA), arguably one of the most important pieces of consumer finance legislation ever passed, that consumers gained legal access to the information collected about them in reporting agency files.In response, the major bureaus created Annual Credit Report.com, where individuals can go to request their free annual credit reports from each bureau.The last key piece of information to keep in mind when comparing credit checking sites is the type of score they provide.The biggest credit scoring agency is the Fair Isaac Corporation (FICO), which supplies credit scores for most of the lending industry.