what is the difference between a credit score and a credit report?
- Here are two key differences between credit reports and credit scores to consider: 1  Credit scores are calculated based on information found on your credit report at the time it was pulled. If your credit report changes, your credit score changes.  There are several different credit scores from each company â FICO has 53! - The reasons your credit scores differ can go beyond which bureauâs credit report is used or whose algorithm generates the result. Credit score algorithms are revised from time to time, and creditors may be slow to adopt a newer one. Itâs sort of like choosing to use Windows 7 even though Windows 10 is available.