![]() Each of them has their own calculation, so the score reported may be different depending on which agency is reporting. They are Equifax, Experian and TransUnion. There are 3 agencies that calculate, and report your credit scores. Where do credit scores come from and how are they calculated? ![]() Your credit score changes based on how much debt you have and how well you manage that debt. Beyond that, the lower the score, the higher the interest rate. Most companies require a minimum score to extend credit.
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