Your credit report and your credit score are not the same thing. Your credit report contains the information that a credit reporting company has received about you. Your credit score is calculated by plugging the information in your credit report into a credit score formula. Your credit score may differ depending on who the provider of the credit score report is. You may have multiple credit scores based upon who provided the score and whether the company providing the score used their own scoring model or used a model available from a third party. The three credit bureau agencies use different methods to calculate your credit scores. A provider like AnnualCreditReport.com will compile your score based on credit scores from each of the credit bureaus.