Do different bureaus calculate scores differently?
Yes, each of the three major credit bureaus—Equifax, Experian, and TransUnion—calculate credit scores differently. They also differ from other companies that calculate credit scores, such as FICO® and VantageScore® .
Each bureau or company weighs the various factors that go into their calculation differently. Also, lenders who report credit data may not report to all three bureaus, which will affect the calculation.
For more information, see the question How is my credit score calculated?
Start enhancing your credit today.
With CBNA Credit CompanionSM, you can view your VantageScore® and Experian® credit report—for free! It includes access to tools like debt analysis, score simulators and credit education, which can help you build positive credit habits that support a healthy credit score.
To enroll, log in to your online or mobile banking account, look for CBNA Credit CompanionSM, and follow the instructions to sign up.
Learn More Log in to Get Started
Don’t have an online banking account yet? Enroll today.
The credit score provided is based on the VantageScore 3.0 model using data from Experian®. There are various types of credit scores, and lenders may use a different type of credit score to assess your creditworthiness.
You may also need: