Why is my credit score online different from the one on your credit report?

Online credit reporting companies are meant to provide an ‘all purpose’ credit report. Credit scoring models vary depending upon the reason for your inquiry. For example, if you are shopping for a car, the auto dealership will run a credit report with scoring criteria that places more emphasis on your credit history as it relates to auto loans. A mortgage credit report is specific to home financing and has its own specific criteria.

Updated on: 01/11/2021