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Chapter 2. How Credit Scoring Works > Your Results Might Differ

Your Results Might Differ

There are a few more complications about which you need to know.

Although all three bureaus use the FICO scoring model, the actual formula differs slightly from bureau to bureau. That's because the way the bureaus collect and report data isn't exactly the same. It's unlikely that these differences would have much impact on your score, but you should know that they exist. You're far more likely, though, to have different scores from bureau to bureau because the underlying information is different.


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