The content is accurate at the time of publication and is subject to change.

There are three major credit bureaus – TransUnion, Experian and Equifax – and if you check your score with all three bureaus, the scores will differ. This is because every credit bureau has its own formula to determine credit scores, and banks, credit card issuers, and other creditors are not required to report credit information to all 3 bureaus. You need to know all 3 credit scores because you never know which of your three credit scores will be checked.