which one.    you actually have many credit scores.   there are three major rating agencies.  there are other ones.   different raters don't always have the same info - so different scores ,   scoring is done at different dates,   even the formulas they used vary. .   many credit cards now give you your credit score from whatever rating agency they use.  i've even notice that some banks offer you your credit score but its only available online    there are websites where you can obtain you score for free.,   in addition once a year you can get your credit report for free from the 3 major raters.