Just like there is no single credit score – there are several companies that create scores – there is also no single FICO score. Like all credit scores, FICO scores depend on the contents of your credit report. There are three major agencies that collect credit data — Experian, Equifax, and TransUnion. Because the credit reporting data at each agency can be different, your FICO scores may be different depending on which agency’s data is used to calculate it. FICO also has different variations of its basic scoring model tailored to different types of lenders (for example, home loans or car loans). So you could have several different FICO scores, even when they are all calculated from the same credit agency’s data.

You cannot buy these customized kinds of FICO scores, but myfico.com  does make available a score calculated with a general FICO model. Several other companies also provide “educational” scores that might give you some sense of what your scores might look like. Your educational score can be different from the score a lender would use, and the differences can sometimes be significant. The CFPB published a report  on these differences.

FICO scores range from 300-850. Usually a higher score makes it easier to qualify for a loan and may result in a better interest rate. Like all credit scores, FICO scores can change over time according to your credit behavior.