Anonymous
Not applicable

Credit score

there are also legitimate websites that offer your credit score for free  even some credit cards are posting credit scores on their monthly statements

 

different rating agencies use  different formulas to the score so a wide variance is possible

from FICO site 

Why is my FICO® Score different than other scores I’ve seen?
There are many different credit scores available to consumers and lenders. FICO® Scores are the credit scores used by most lenders, and different lenders may use different versions of FICO® Scores. In addition, FICO® Scores are based on credit file data from a consumer reporting agency, so differences in your credit files may create differences in your FICO® Scores.

some agencies don't  use any of the FICO formulas, they use their own proprietary ones. Others may use Vantage Score model 3.0

 

 

even the dates vary so one could be a score from July and another could be a score from August