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Credit scores are not included with credit reports.

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Your credit score can change over time, based on your credit history—including late payments, amount of available debt, and more.Scores by Vantage Score are also types of credit scores that are commonly used by lenders.The Vantage Score was developed by the 3 major credit bureaus including Experian, Equifax, and Trans Union.Credit scores are used by lenders, including banks providing mortgage loans, credit card companies, and even car dealerships financing auto purchases, to make decisions about whether or not to offer your credit (such as a credit card or loan) and what the terms of the offer (such as the interest rate or down payment) will be. FICO® Scores and scores by Vantage Score are two of the most common types of credit scores, but industry-specific scores also exist.One of the most well-known types of credit score are FICO Scores, created by the Fair Isaac Corporation.The latest Vantage Score 3.0 model uses a range between 300 and 850.

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