Why is My Credit Score Different on Different Websites?

If you’ve ever checked your credit score online, you’ll likely have found different numbers on different sites which can be pretty confusing.

It can make planning for things like car finance a bit tricky when you aren’t sure what your score actually is.

The good news is, seeing different scores on different websites is totally normal.

We’ve put together this useful guide to help you understand why your credit score might look different depending on where you check it.

You’ll discover what “good” looks like, and how to tell which one is the most accurate representation of your score.

Got a specific question? Why not jump to:

Why is my credit score different on different websites?

Your credit score might show up differently across various websites for a couple of reasons.

First off, there are three main credit reference agencies out there - Experian, Equifax, and TransUnion. Each one calculates your score a bit differently based on the info they have on you.

Lenders don’t always report to all three agencies, so that's one reason your scores might not match up.

Then, there's the matter of different scoring models, like FICO® and VantageScore®, which are just two ways your credit behaviour can be evaluated.

One model may give more weight to how much credit you're using, while another might focus more on whether you pay your bills on time.

This mix-and-match approach can lead to variations in your score.

Seeing different numbers is pretty standard and usually nothing to worry about. But sometimes, it could be due to an error in your report which is why it is a good idea to keep an eye on your credit report regularly.

You can get a free credit score check directly from the credit agencies or through some banking and finance apps if you fancy checking it with minimal cost or obligation.

Who are the different credit score agencies?

In the UK, when it comes to figuring out your credit score, three big names take the lead: Experian, Equifax, and TransUnion.

Here’s a look at each of these three agencies and how they work:


As a heavyweight in the credit reference arena, Experian gathers data from a variety of places like banks, credit card companies, and even court records.

Their scores max out at 999. Beyond just tracking your score, Experian helps keep an eye out for identity theft and keeps you in the loop on your credit status.


Another key player, Equifax, pulls together information from financial institutions and public records to calculate your credit history.

With scores that can reach up to 1000, they give lenders (and you) a detailed look at your credit history.

They also help you stay on top of your credit game with monitoring tools and safeguards against fraud.


The newest member of the UK's credit reference agency trio, TransUnion (you might have heard of them as Callcredit), gives you free live access to your credit score.

Their scores go up to 710, known as CreditVision Scores, providing yet another lens through which lenders can view your creditworthiness.

More credit guides

What are their credit score ranges/scales?

Every credit reference agency in the UK dances to its own tune when it comes to credit score scales.

These scales are more than just numbers; they're a peek into how lenders view your financial habits.

Let's zoom in on what each agency's scale looks like:



  • Excellent - 811-1,000
  • Very Good - 671-810
  • Good - 531-670


  • Good - 881-960
  • Fair - 721-880


  • Excellent - 628-710
  • Good - 604-627
  • Fair - 566-603

Which is the most accurate credit score?

Truth be told, all the scores from different agencies hold their weight since they're based on various pieces of your financial history.

Scoring well with one usually means you're looking good across the board.

However, to ensure your score is spot-on, giving your credit report from each agency a thorough check is a smart move.

How often does my credit score update?

Credit scores get a fresh update about once a month. This happens as agencies catch wind of new info submitted from banks, creditors, and other institutions. 

Keeping tabs on these updates is key, especially if you're working on boosting your score.

Don’t forget - Your credit score plays a big part in the car finance rates you'll be offered by Carmoola.

If there's room for improvement, giving your score a little TLC before you apply is a wise move.

FAQs About Credit Scores:

Should I be worried if my scores are different?

It's quite common to have different credit scores across various credit reference agencies. This is due to the different methods each agency uses to calculate scores. While it can be surprising to see these differences, it's not usually a cause for concern. Instead, focus on the general range of your scores and maintain good financial habits to keep your score healthy across all platforms.

Do lenders see a different credit report?

Yes, lenders may see a slightly different version of your credit report than what you see. Lenders have access to a more detailed credit report that includes additional information to help them make lending decisions. This report provides a comprehensive view of your credit history, including your repayment habits, total debt, and the types of credit you've used.

How do I know which one my lender will look at?

It's hard to predict exactly which credit report a lender will review, as different lenders prefer different credit reference agencies. Some lenders may even look at reports from multiple agencies. The best approach is to ensure your credit score falls into the good range across all reports.