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Is there only one score per person?

No. Lenders may use FICO scores, create their own scoring models, or ask FICO to customize a scoring model for them. 

As a result, your credit score can vary by 30 points to 100 points between the three major credit reporting bureaus—Experian, Equifax, and TransUnion. Why? Creditors may not report to all bureaus and the three credit bureaus weigh credit report information differently.

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