Who calculates credit scores?

Last Updated: May 31, 2013 06:51PM UTC

FICO credit score are calculated using formulas developed by Fair Isaac Corporation, which created the FICO score, and the three major credit bureaus: Experian, Equifax, and TransUnion. These bureaus each offer different credit scoring models which can be purchased by businesses to make lending and credit decisions.

‚ÄčLenders and businesses may calculate your credit score using their own scoring models as well.

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