my FICO Once you need a credit card or a car loan or even a mortgage, you will apply for credit. Usually lenders need to know how risk it is to loan you the money. FICO has credit scores which are Experian, TransUnion, Equifax. Every one of the scores is based on data the credit agency keeps on a companies file about you. This data changes so your credit scores and it is tend to the change additionally.
Credit Score