Credit score confusion?

Ronny: Credit score confusion?
I want to know how many types of credit scores are available in US and by the term “FICO score” which score do we really refer to.

Thanks

Answers and Views:

Answer by Go Blue!
It’s FICA with an A. That’s the main one. There are numerous credit companies that all use it. They are Equifax, Experion, and TransUnion (I’m not sure about the last one’s name.) A new law passed in January, and they have to give you your credit record and score for free. Check with all three to see that they match.

Answer by yiqqahah
There are 3 major credit agencies in the US. Equifax, Experian and TransUnion. They are combining the scores to make one score VantageScore so it is easier to understand. FICO stands for “Fair Isaac and Company” which is the system the three agencies use. You can go here for more info:
https://www.myfico.com/CreditEducation/CreditScores.aspx

Answer by David H
Both of the above answers are not entirely correct and would just add to your confusion.
“FICO” is the correct term, and it is Fair Isaac Corporation. FICO is your Equifax score only and is not affiliated with TransUnion or Experian although you may purchase all three scores at that sight

FICO has become an acronym when referring to credit scores but in fact a TransUnion score is provided by TrueCredit and Experian credit scores provided by PLUS Score.

So, there are three major credit bureaus and three major scores. You cannot receive accurate scores without going to each individual bureau. If you were to pull all three scores from one provider and compare them to the next provider, and so on, they would not be the same scores.

Answer by jessigirl00781
It is FICO. You are right.
Equifax, Transuion and Experian all score you differently.