There are different scoring models used by creditors to determine your credit worthiness and each weighs factors slightly differently depending on their intended use. Common scoring models include the Fair Issac Corporation (FICO) model, VantageScore 3.0, and the scores generated by each of the three major credit bureaus: Experian, Equifax, and TransUnion.

Some credit scoring models even have different types of scores depending on the type of credit an individual applies for. For example, FICO has over 10 types of scores depending on the type of credit you're seeking. FICO Score 2 may be used when applying for a home, while a FICO Bankcard 8 may be used when applying for a credit card, or FICO Auto Score 9 when applying for a car loan.

There are several reasons why your credit score or FICO score may vary depending on where you look.

Rocket Money uses FICO Score 2 with Experian data because it's the model mortgage lenders use. While improving your credit helps across all models, scores may vary between platforms.

Lenders may report to some credit bureaus but not others. This means your score can differ even between FICO scores from different bureaus.

For example, some lenders may only report to Experian, while others may only report to Equifax. This can result in a different account set being used to calculate your score, even if each credit bureau reports a FICO Score. If you aren't sure which credit agencies your lenders are reporting to, you can contact your lenders or credit agencies to ask.

Credit bureaus may receive and process updates at different times, causing temporary variations in scores.

While Rocket Money pulls your credit report and credit score from Experian to give you easy access to monitor your credit information, different scoring models are used to determine creditworthiness. The main ones are FICO, VantageScore 3.0, and scores from the three major credit bureaus (Experian, Equifax, and TransUnion).

FICO alone has multiple scoring models for different purposes:

Please note: While Rocket Money provides access to your Experian credit report and score, our support team cannot access this information or make changes for security reasons. For any inaccuracies that may appear on your credit report, you will need to dispute those directly with Experian.