: Different models (like FICO or VantageScore) may be applied to the data at each bureau. How to Access Them
The phrase "3 credit scores" typically refers to the three separate numerical ratings provided by the major credit bureaus based on the information in your unique credit files. The Three Major Credit Bureaus 3 credit scores
It is common for these three scores to be different because: : Different models (like FICO or VantageScore) may
Your credit scores are generated by three main national reporting agencies: Experian TransUnion Why Scores May Differ 3 credit scores
: Each bureau may update your credit report at different times of the month.
You can view your credit information through official and third-party channels: Free Credit Reports - FTC Consumer Advice