Every person has multiple credit scores, depending on the scoring model that’s been used. And yes, they are a few.
Mostly, it’s the FICO credit score that’s used but even then, you have different FICO scores—one for every credit bureau. Apart from that, there are other types of scores.
The FICO score is the most widely used credit score. It’s particularly important for auto and home loans. But no matter which credit score you follow, every credit score is meant to tell the lenders the same thing: Will you be able to pay the borrowed money or not.
The FICO score is calculated out of your debt value and how much of that was repaid by you. The score could be as low as 350 and as high as 850. The several different components of your credits score are based on the following:
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