Where do credit scores come from?
Credit scores are calculated from data reported to Equifax, Experian, and TransUnion.
Quick Summary
Scores come from major credit bureaus.
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Answered by Sonny Baird
Last updated 1/16/2026, 3:02:39 PM
Your credit scores are generally based on information in your credit reports. This information is reported by your creditors to credit reporting companies. The three biggest are Equifax, Experian and TransUnion.
Sonny Baird
General Sales Manager, West Mitsubishi
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