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Hi. Yeah, we all know how critical it is to have good credit, which can be the difference maker in your life, right? Between getting *** loan getting denied, it also impacts how much you're gonna have to pay in late fees and interest. Our viewer Sherry wrote in, she has *** question about credit scores. She said I was wanting to know why so many different sites have different FICO scores for *** person, same person, different scores. Here's what's going on. First of all, it's very common. Your FICO score, which is the type of credit score most commonly used by lenders can vary for *** number of reasons. First, different lenders and banks may use different scoring models. Your credit score may also vary based on the day, it's calculated right? Experience calculates it on that day. Transunion looks at your stuff three days later and so they bounce around, ok. Sometimes it takes *** while for the credit bureaus to get that up to date information from lenders on top of that. Not all lenders report to all three major credit bureaus which can also impact your credit score. So what does all this mean for you two important things to know. First, all of your credit scores have one thing in common. They're based on information in your credit reports. So make sure you're checking those for any discrepancies that could cause one score to be significantly lower than the other. For example, if you're saying, wait, I have 500 as *** credit score transunion, but I have 650 over here at Experian. You better get in and, and they'll tell you what the difference is. You gotta get into each one. This 1 may be saying, wait, you're 90 days late on *** payment that you're not and this one hasn't gotten that report. So that is why you need to check all three. Ok. And the good news is you're entitled to *** free weekly credit report from each of them. You can request those at this website annual credit report.com two. Your payment history along with the amount of credit you owe will have the biggest impact on your credit score. So as long as you're making your payments on time and keeping your credit utilization rate low, the higher your credit score will be even if you have varying scores across the credit bureaus. Sherry. We hope that helps if you at home have any questions for me, email me any time you see every week. I'm here answering your questions. It's because we get so many from you and they're great. Nothing is too big. Nothing is too small. Just email me. We read everything Rosson responds at hearst.com. I don't sleep well. So *** lot of this is like 2 a.m. me just reading your emails. All right, we're gonna answer back to you.