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I'm not sure we can answer this. The algorithm behind the credit scores is secret. Heck, the algorithm itself may have changed in early 2015. You may find this blog post relevant: mint.com/blog/credit/how-often-does-my-credit-score-change-0813– ChrisInEdmontonCommented Mar 10, 2015 at 13:29
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It's important to remember that if you're not paying for some piece of financial information, then the primary reason why someone is freely giving you that information is to encourage you to start paying for something related to that information. This is the insidious genius behind credit scores: there are dozens of them out there, and each provider can claim that theirs is the most useful and that you should therefore pay them to monitor your score. Each provider thus has a vested interest in showing you a different version of your "score".– dg99Commented Mar 10, 2015 at 16:56
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@dg99: Sure, but there is only one FICO score is obtained from Equifax, so it should logically be the same thing whether it's received by Mint vs. Citi, so that's why I'm confused.– user541686Commented Mar 10, 2015 at 17:12
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3No, unfortunately there is not "only one FICO score" per credit bureau. The same way that FICO is free to license different versions of its algorithm to each credit bureau, each credit bureau is free to license different versions of its own score to different clients. There's the version of your score that Equifax reports to you directly, a different version of your score it might give to GMAC, a different version it might give to Fannie Mae, etc. This is one of the reasons why it doesn't matter where you get your score from, because they're all just approximations of approximations.– dg99Commented Mar 10, 2015 at 17:22
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