Credit scores are based on reports maintained by three consumer credit bureaus or credit reference agencies. Each uses multiple different models to score each consumer, resulting in multiple different scores. This means you will have three different credit reports (one for each of the bureaus) and many different scores based on each report. Along with the different models used, it is also possible for scores to be affected by the number of bureaus that a lender will report to. Some lenders may only report a credit application to a single bureau, resulting in only a single score being affected by that information.
The important thing to remember is that no single credit score can dictate your financial future. As each score is calculated using a slightly different mathematical formula, they will all vary. Your credit history is represented in various scores that can all be impacted by your behaviour changes. Instead of worrying about a single score, try to keep an eye on the range your scores are falling within and use this as an indicator of how reliable you will appear to potential lenders when they perform a credit check.
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