My credit score in Credit Central is different from the number I see elsewhere. Why?

There are three major credit-reporting bureaus and multiple scoring models, so your score may differ depending on who is calculating it. Here's a typical formula from myfico.com for the five factors that go into your credit score:

• Payment history: 35%
• Available credit: 30%
• Length of credit history: 15%
• Credit mix: 10%
• Credit inquiries: 10%

And here's a different formula from VantageScore:

• Payment history: 40%
• Credit usage: 23%
• Length of credit history: 21%
• Total balance: 11%
• Recent credit: 5%

Learn more about these formulas and what credit bureaus look for here.

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