{"id":353549,"date":"2021-05-13T06:00:39","date_gmt":"2021-05-13T12:00:39","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=353549"},"modified":"2022-07-15T10:27:37","modified_gmt":"2022-07-15T16:27:37","slug":"are-all-free-credit-scores-created-equal","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/credit-score\/are-all-free-credit-scores-created-equal\/","title":{"rendered":"Are free credit scores accurate?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"200\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/05\/357330_CR_Header-Images_Blog-Posts_V1Artboard-1-copy-6-600x200.jpg\" alt=\"\" class=\"wp-image-359686\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/05\/357330_CR_Header-Images_Blog-Posts_V1Artboard-1-copy-6-600x200.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/05\/357330_CR_Header-Images_Blog-Posts_V1Artboard-1-copy-6-300x100.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/05\/357330_CR_Header-Images_Blog-Posts_V1Artboard-1-copy-6-768x256.jpg 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/05\/357330_CR_Header-Images_Blog-Posts_V1Artboard-1-copy-6-450x150.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/05\/357330_CR_Header-Images_Blog-Posts_V1Artboard-1-copy-6-900x300.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/05\/357330_CR_Header-Images_Blog-Posts_V1Artboard-1-copy-6-1400x467.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/05\/357330_CR_Header-Images_Blog-Posts_V1Artboard-1-copy-6.jpg 1500w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Disclosure regarding our editorial content standards.<\/a><\/p>\n\n\n\n<p>Some institutions give out your credit score for free, while others charge a fee. This might have you wondering: What\u2019s the catch? And are free credit scores accurate? The short answer is <strong>usually, yes.<\/strong> But you might find that some free credit scores don\u2019t match your expectations, or maybe they don\u2019t match what a lender tells you your score is. <\/p>\n\n\n\n<p>This confusion can happen because there are actually many different kinds of credit scores, and they won\u2019t always line up with each other. To understand why, let\u2019s dig into the various credit scoring options out there.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-fico-score\">The FICO Score<\/h2>\n\n\n\n<p>There are two major credit scoring models: <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-score\/whats-the-difference-between-a-fico-and-vantagescore\/\" target=\"_blank\" rel=\"noreferrer noopener\">FICO and VantageScore.<\/a> These models use computer software to generate a credit score for every consumer based on their past transactions with lenders. This score is supposed to estimate how risky a consumer is as a borrower.&nbsp;<\/p>\n\n\n\n<p>Out of the two models, the FICO score is far more commonly used by lenders. For example, almost all mortgage lenders opt to use FICO scores. FICO claims that <a href=\"https:\/\/www.ficoscore.com\/education\/\" target=\"_blank\" rel=\"noreferrer noopener\">90 percent of top lenders<\/a> prefer to use a FICO score over other options.&nbsp;<\/p>\n\n\n\n<p>There have been nine versions of the FICO score released to date, each created in an effort to adapt to changing consumer habits. And some, despite their age, are still being used today. FICO 98, released in 1998, is still used by some lenders for lending decisions and given away for free by others.&nbsp;<\/p>\n\n\n\n<p>Currently, there are dozens of FICO scores in circulation. The newly released version is known as <a href=\"https:\/\/www.creditrepair.com\/education\/scores\/new-fico-score\" target=\"_blank\" rel=\"noreferrer noopener\">FICO 10 Suite<\/a> and includes both FICO 10 and FICO 10T. However, the FICO Score 8 is still the most widely used version right now.<\/p>\n\n\n\n<p>The published range of the FICO score is 300 \u2013 850,&nbsp;and your FICO score is determined by five factors, all weighted differently. Those factors are:<\/p>\n\n\n\n<p>Keep this factors in mind when considering how you can potentially improve your score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-industry-specific-fico-scores\">Industry-specific FICO scores<\/h3>\n\n\n\n<p>There are also different FICO scores used for specific industries. For example:<\/p>\n\n\n\n<ul><li>For auto lending: FICO Auto Scores 2, 4, 5 and 8<\/li><li>For credit card lending: FICO Bankcard Scores 2, 4, 5 and 8 and FICO Score 3<\/li><li>For mortgage lending: FICO Score 2, 4 and 5<\/li><\/ul>\n\n\n\n<p>FICO industry-specific scores work similarly to the standard FICO scores and provide a lender with a credit risk assessment relevant to the type of credit the person is seeking. This helps lenders within certain industries make more informed decisions when evaluating a consumer\u2019s risk.&nbsp;<\/p>\n\n\n\n<p>When you go to a lender and they pull a FICO credit score for you, <strong>you won\u2019t have any control over which model they choose to use.<\/strong> The good news is that the factors to receive a favorable FICO score remain consistent across all the models\u2014focus on making timely payments and keeping balances low and you\u2019ll be on the right track.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-vantagescore\">The VantageScore<\/h2>\n\n\n\n<p>The VantageScore credit scoring model, the other major player in the credit scoring game, was created in <a href=\"https:\/\/vantagescore.com\/company\/about-vantagescore#:~:text=VantageScore%20was%20founded%20in%202006,gain%20access%20to%20mainstream%20credit.\" target=\"_blank\" rel=\"noreferrer noopener\">2006<\/a> as an alternative to the FICO score. It was founded by <a href=\"https:\/\/www.creditrepair.com\/education\/reports\/credit-reporting-agencies\" target=\"_blank\" rel=\"noreferrer noopener\">the three national credit reporting agencies<\/a>: Experian, Equifax and TransUnion.&nbsp;<\/p>\n\n\n\n<p>VantageScore 4.0, released in 2017, is the most updated version of the scoring model. Unlike FICO, VantageScore only calculates base credit scores and doesn\u2019t offer industry-specific scores, but it does now match FICO\u2019s range of 300 \u2013 850.&nbsp;<\/p>\n\n\n\n<p>VantageScore is less popular than FICO, but many lenders still use it. According to an <a href=\"https:\/\/vantagescore.com\/vantagescores-regulatory-acceptance\/\" target=\"_blank\" rel=\"noreferrer noopener\">independent study,<\/a> more than 2,500 users accessed 12.3 billion VantageScore credit scores\u2014and usage has continued to grow year over year.\u00a0<\/p>\n\n\n\n<p>Even though the five credit factors are essentially the same for both FICO and VantageScore, the weighted averages for each factor are slightly different. <a rel=\"noreferrer noopener\" href=\"https:\/\/www.experian.com\/assets\/consumer-information\/product-sheets\/overview-vs4-113017.pdf\" target=\"_blank\">VantageScore 4.0 weighs the factors as:<\/a><\/p>\n\n\n\n<ul><li>41 percent payment history<\/li><li>20 percent mix of credit\/credit age<\/li><li>20 percent utilization&nbsp;<\/li><li>11 percent new credit&nbsp;<\/li><li>6 percent balance&nbsp;<\/li><li>2 percent available credit&nbsp;<\/li><\/ul>\n\n\n\n<p>So this is another reason why you might be surprised by a free credit score you get\u2014FICO and VantageScore use different scoring algorithms, which can lead to either minor or major differences between a person\u2019s two scores.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-the-credit-bureaus-fit-into-this\">How do the credit bureaus fit into this?<\/h2>\n\n\n\n<p>Two lenders can pull your credit score and get different results. How does this happen? First, it will depend on whether the lender pulled a FICO or a VantageScore credit score. Next, your score may differ depending on which version of FICO or VantageScore was used.&nbsp;Finally, it could matter which bureau\u2019s data your score was based on.<\/p>\n\n\n\n<p>Experian, Equifax and TransUnion are for-profit companies with different systems and processes for collecting financial consumer data. Since it costs money to report to a credit bureau, some financial institutions may fail to report their information to all three bureaus. <\/p>\n\n\n\n<p>As a result, pulling a FICO score from TransUnion could be quite different from pulling a FICO score from Equifax. One of the bureaus could be missing something as important as an auto loan you\u2019ve defaulted on, for example.&nbsp;<\/p>\n\n\n\n<p>The same logic applies to VantageScore. Each credit bureau is only as good as the data it has.&nbsp;Keep all of this in mind when you\u2019re checking your score online, whether you got your score for free or not.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-so-which-score-should-you-check\">So, which score should you check?<\/h2>\n\n\n\n<p>Ideally, <strong>you\u2019ll want to know<\/strong> <strong>both your FICO score and your VantageScore<\/strong>. When you go to a lender, you don\u2019t know which score your lender is going to see. Knowing both scores ensures you won\u2019t get any surprises.&nbsp;<\/p>\n\n\n\n<p>Hopefully, your scores from each of the bureaus will be about the same. However, that depends on whether they all have the same information on your credit report\u2014which is why it\u2019s essential to check your reports regularly. If you find you have two vastly different scores, it\u2019s a sign something\u2019s wrong. You\u2019ll want to get to the bottom of this discrepancy.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-does-checking-your-score-hurt-your-credit\">Does checking your score hurt your credit?<\/h2>\n\n\n\n<p>If you check your credit score yourself, no, it won\u2019t hurt your credit score. There are two types of credit score checks: <a href=\"https:\/\/www.creditrepair.com\/education\/reports\/credit-inquiries\" target=\"_blank\" rel=\"noreferrer noopener\">soft inquiries and hard inquiries.<\/a> A soft inquiry\u2014which is what it is when you check your own score\u2014doesn\u2019t lower your score. However, a hard inquiry will temporarily lower your score.&nbsp;<\/p>\n\n\n\n<p>A hard inquiry is typically done in the final stages before approving a loan. For example, getting preapproved for an auto loan is a soft inquiry. But when you\u2019re ready to sign up for the auto loan, the lender will need to pull a hard inquiry.&nbsp;<\/p>\n\n\n\n<p>You can always ask a lender if the credit check they\u2019re about to pull will impact your credit score if you aren\u2019t sure.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-where-can-you-get-your-credit-score-for-free\">Where can you get your credit score for free?<\/h2>\n\n\n\n<p>Now that you know what to consider when checking any of your credit scores, <a href=\"https:\/\/www.creditrepair.com\/education\/scores\/how-to-check-your-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">learn where you can go to check it for free.&nbsp;<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-banks-credit-unions-and-credit-card-companies\">Banks, credit unions and credit card companies<\/h3>\n\n\n\n<p>Most banks, credit unions and credit card companies now offer free credit score checks. These institutions usually have free credit scores available on their online banking platforms.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-certain-websites\">Certain websites<\/h3>\n\n\n\n<p>Several websites offer your free credit score in exchange for your agreement to let them market your personal information:<\/p>\n\n\n\n<ul><li>CreditKarma (TransUnion and Equifax VantageScores)<\/li><li>CreditSesame (Experian VantageScore)<\/li><li>Discover Credit Scorecard (Experian FICO score)<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-if-you-pay-for-your-credit-score-will-it-be-more-accurate\">If you pay for your credit score, will it be more accurate?<\/h2>\n\n\n\n<p>Not necessarily, no. As long as you understand what a specific credit score represents\u2014what model and which bureau\u2019s data it\u2019s based on\u2014<strong>a free score from a reputable source should be suitable.<\/strong>&nbsp;<\/p>\n\n\n\n<p>The Consumer Financial Protection Bureau (CFPB) <a rel=\"noreferrer noopener\" href=\"https:\/\/files.consumerfinance.gov\/f\/201209_Analysis_Differences_Consumer_Credit.pdf\" target=\"_blank\">published a study in September 2012<\/a> that compared consumer-purchased and free credit scores. The study found that the majority of consumers received similar rankings across different models:<\/p>\n\n\n\n<ul><li>73 \u2013 80 percent of different credit scoring models place consumers in the same category (e.g., \u201cfair\u201d or \u201cexceptional\u201d)<\/li><li>19 \u2013 24 percent of different credit scoring models place consumers one category apart in rankings<\/li><li>1 \u2013 3 percent of consumers are placed two or more categories apart in differing ranking models<\/li><\/ul>\n\n\n\n<p>The study concluded that individuals shouldn\u2019t assume that purchasing a credit score makes it more accurate or reliable. Instead, the research suggests that accessing your credit score from multiple sources is best. With so many free resources today, consumers don\u2019t need to spend money on their scores anymore.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-you-can-talk-to-a-professional-about-your-credit\">You can talk to a professional about your credit<\/h2>\n\n\n\n<p>Professional credit services can help you with all credit-related matters. At CreditRepair.com, we can offer a free online credit evaluation. This includes a free credit score, free credit summary, free negative item review and free credit improvement plan. <\/p>\n\n\n\n<p>If you\u2019re unhappy with your current score, you might be interested in our credit repair services. We can help you dispute any false or misleading negative items and get on a path to a stronger credit score.&nbsp;<a href=\"https:\/\/www.creditrepair.com\/\">Get started with us today<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Find out if free credit scores are accurate, if paying for a credit score increases accuracy and which type of credit score matters most. <\/p>\n","protected":false},"author":53,"featured_media":359687,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Are free credit scores accurate? - CreditRepair.com<\/title>\n<meta name=\"description\" content=\"Find out if free credit scores are accurate, if paying for a credit score increases accuracy and which type of credit score matters most.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.creditrepair.com\/blog\/credit-score\/are-all-free-credit-scores-created-equal\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Are free credit scores accurate?\" \/>\n<meta property=\"og:description\" content=\"Find out if free credit scores are accurate, if paying for a credit score increases accuracy and which type of credit score matters most.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.creditrepair.com\/blog\/credit-score\/are-all-free-credit-scores-created-equal\/\" \/>\n<meta property=\"og:site_name\" content=\"CreditRepair.com\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-13T12:00:39+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-15T16:27:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/05\/357330_CR_thumbnail-Images_Blog-Posts_V1Artboard-1-copy-6.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"420\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"CreditRepair.com\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#website\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/\",\"name\":\"CreditRepair.com\",\"description\":\"We are the credit repair experts\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.creditrepair.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/credit-score\/are-all-free-credit-scores-created-equal\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/05\/357330_CR_thumbnail-Images_Blog-Posts_V1Artboard-1-copy-6.jpg\",\"contentUrl\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/05\/357330_CR_thumbnail-Images_Blog-Posts_V1Artboard-1-copy-6.jpg\",\"width\":640,\"height\":420},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/credit-score\/are-all-free-credit-scores-created-equal\/#webpage\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/credit-score\/are-all-free-credit-scores-created-equal\/\",\"name\":\"Are free credit scores accurate? 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