What is the difference of a FICO credit score compared to Equifax or Experian?

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1. The FICO score is the compilation of the three credit reporting agency's scores, of which Equifax and Experian are two.
2. http://en.wikipedia.org/wiki/Credit_score_(United_States)#FICO_score_and_others
3. The three major credit bureaus in the U.S. use scores that are produced by Fair Isaac and Company, hence FICO. The three credit reporting agencies that provide these scores to lenders are: Experian, TransUnion, and Equifax. Your FICO score can range from 300 to 850. Lenders use these scores, along with other factors, to determine your credit worthiness. The higher the score the better chance you have of getting a loan. A higher score will also get you a better interest rate. There are several factors that will affect your FICO score. Some are: • Length of credit history • Outstanding debt • Payment History • The amount of credit used verses credit available • Frequency of derogatory information • Severity of derogatory information • Number of inquires • Number of delinquencies FICO scores are updated once a month, generally around the 21st through the 29th. They are calculated on the previous month's activity. They can vary from agency to agency, depending on what that agency has on their file. Not all creditors report to all agencies. Some creditors don't report to any of them. Your FICO score will change as your credit history changes. If your lender uses one agency to check your credit when you apply for a loan, then checks it with another later, that will make your score change. But, only within that lending institution. Does this help or do you need more? Robert