There are two primary reasons: first, each credit bureau is an independent company with its own proprietary credit score models. As such, each credit bureau has slightly different ways to underwrite you as a consumer.

The second reason is that each credit bureau independently gathers credit data. Given the complexity of credit reporting, a financial institution may only opt-in to report a loan to one or two credit bureaus. As such, some loans or credit cards may not appear on one or more credit bureau reports.

Inside the customer dashboard, Self Lender customers see just one credit score: the VantageScore 3.0 credit score, but the credit builder account is reported to all three credit bureaus.

Unlike a VantageScore credit score, your FICO score is the credit score used by 90% of lenders. Federal law allows every person to request their credit report for free from each of the major credit bureaus. You can request your reports at

Interested in in learning more? You can read more about credit scores here:

Free credit scores vs. FICO: What's the difference

Why do I have different credit scores