Why is my credit score different online versus at a financial institution?

When accessing your credit score via a website, the score you are provided will vary depending on which software the website uses. Credit Union 1 uses FICO Classic 2.0 software. However, most “free credit score” websites use Vantage 2.0 software. If you are paying for your credit score, the software will likely be Vantage 2.0 or 3.0. Algorithms behind these software versions are different for each; therefore, the scores may not match up.

If you’re able to determine the software version that you used to access your credit score, we would be happy to help you find how the score was derived. Typically, the software version is listed on the same web page that shows your credit score.