Credit Scores

Optimus Prime said

Because there is no such thing as THE credit bureau

When people say the credit bureau they are really talking about the big 3 which is Experian, Equifax and Transunion

Your score may be different for all three because not everything is reported to all three

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And things are weighted differently between the three. Also, when you go to apply for an auto loan they may use a different model where it puts emphasis on previous car loans. There are so many variables it’s hard to really compare.

Biggest things I’ve noticed are having a huge availability in your card lines is good (I have about 100k in available credit) and a very low usage ratio. <10% although if you want the magic of an 850 it has to be under 1%

Add that to length of credit history (27 years for me) and of course paying payments on time and having a variety of debt. (Credit cards, car, house). I find my daughters credit is far more volatile than mine due to her shorter credit history.