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There are multiple credit scoring methods that companies use to give a consumer a “score”. These scores can have different scales, use slightly different data to calculate this score,  and often can be misleading.  Most lenders use one of the FICO variations to determine a credit score for a customer who is looking for credit.  The actual method of determing this score is a secret to the public and generally cannot be obtained on their own.

Here is a good article that was written that discusses these variations and sheds more light into how this works.  credit score

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