Empirica Score, Beacon Score, Fair Isaac Score: Why are there so many names? Each credit bureau has a different type of credit score. Transunion credit bureau developed the Empirica Score. A Beacon Score is the credit score used by Equifax credit bureau. A Fair Isaac Score (commonly misspelled as the Fair Issac Score) is the credit score used by Experian Credit Bureau (formerly known as TRW). The Beacon, Empirica and Fair Isaac are all based off of the FICO scoring model. FICO stands for Fair, Isaac and Company. Fair Isaac's main service is creating credit risk models.
Each credit bureau slightly modifies the score model to suit their company's needs. This means, each of the credit scores likely to show a different number for any given individual. The Fair Isaac scoring model is used over 14 billion times per year. 75% of all banks use the FICO scoring model as well as 23 out of the 25 largest credit card companies.
- Order an Empirica Score from Transunion
- Order a Beacon Score from Equifax
- Order a Fair Isaac Score from Experian
- Order a Fico Score from MyFico
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