How is a Free Credit Score Created?

Your credit score is created from information in your credit report, including how much debt you have, your debt-to-income ratio, your current balances, past payment history and many other variables. Each credit bureau uses its own mathematic formula to crunch all this data and arrive at your credit score. Your scores at all 3 bureaus will probably differ slightly because not all creditors report to all bureaus. Most lenders pay to see all your scores so that they have a complete picture of your history.