Why Do You Have Three Different Credit Scores?

Edgar DeJesus • June 15, 2021

We ask every client what are their credit scores?

 

Almost always, they give me one number.

The number our clients give us is their highest credit score from one of the credit bureaus.

It’s almost as if they only have one score.

Start Your Pre-approval

Today I want to share why you have three different credit scores that make up your credit and what you can do to get each of them as close as possible. 

 

You have three different credit scores because they’re three individual companies analyzing all of your credit data is the first reason. 

 

Each of these Individual companies analyzes your credit using their own credit scoring model. Since each company is using a different formula, your scores will almost always be different. 

 

The third reason is not every company that you have as a creditor is reporting your data to all three credit bureaus. Your scores will be different because of this.

 

You can’t do anything about the first two reasons, but you can contact each creditor and inquire who they currently report your data to and you can even ask if they’re willing to report to the other bureaus. I cannot say whether they will or they will not, but at least you will know who can and who cannot.

 

I hope now you have a bit more clarity around why you have three different credit scores.


My name is Edgar DeJesus. I’m the mortgage advisor and branch manager of Treasure Coast Home Loans. 

 

Today’s market requires you to have a skilled negotiator and consultant, like me, helping you and the people you care about right now.

 

Call or text, (772) 444-6362, with any questions that will let me separate opinion from opportunity. 

 

Thank you for taking the time to read my latest real estate and mortgage report.



Start your pre-approval

CONTACT US

Call or text 561-223-9347 or email edgar@treasurecoasthomeloans.com to discuss your loan. 


Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by the borrower(s). A loan is only approved when the lender has issued approval in writing and is subject to all lender conditions. Any specified rates and terms are contingent upon loan approval and are subject to change without notice due to unpredictable market conditions. Innovative Mortgage Services, Inc. is a Florida licensed lender. Company NMLS #250769. Originator NMLS # 230414. Florida Mortgage Lender License, License/Registration #: MLD178 Florida. Mortgage Lender Servicer License, License/Registration #: MLD2167 Equal. Equal Housing Lender 

⚡ 7-Minute Pre-Approval

Start Your Mortgage Application

Ready to make your move? Apply securely with Treasure Coast Home Loans, your local mortgage broker. We make the process fast, simple, and transparent so you can shop for your new home with absolute confidence.

Free Search Tool

Unlock Down Payment Assistance

Did you know there are hundreds of state and local programs designed to help Florida buyers cover their down payment and closing costs? You could qualify for thousands of dollars in assistance. Answer a few quick questions to see exactly what programs you are eligible for right now.

Mortgage Broker Port St. Lucie, Florida

Learn More About the Mortgage Process.


Check Out Our Google Verified Reviews

Comprador en Florida observando tasas hipotecarias y precios de viviendas.
By Edgar DeJesus August 27, 2026
¿Bajarán las tasas hipotecarias? Conoce qué mueve las tasas y qué deben considerar los compradores en Florida antes de esperar.
Florida buyer watching mortgage rates and home prices.
By Edgar DeJesus August 27, 2026
Will mortgage rates fall? Learn what moves rates and what Florida home buyers should consider before waiting to buy.
Florida buyer covering an appraisal gap.
By Edgar DeJesus August 26, 2026
Offering above a Florida home’s appraised value? Learn why having cash for the appraisal gap doesn’t automatically guarantee DU approval.
Comprador en Florida cubriendo diferencia de tasación.
By Edgar DeJesus August 26, 2026
¿Ofreciste más que el valor de tasación? Tener el dinero para cubrir la diferencia no garantiza automáticamente la aprobación de DU.
Comprador en Florida revisando fondos para el cierre.
By Edgar DeJesus August 25, 2026
Tener dinero en el banco no significa que todo pueda usarse inmediatamente. Conoce cómo funcionan los fondos para cerrar una hipoteca en Florida.
Florida home buyer reviewing cash to close.
By Edgar DeJesus August 25, 2026
Money in the bank isn’t always immediately usable for a mortgage. Learn what Florida buyers should know about cash to close.
Florida buyer reviewing home price and mortgage pre-approval.
By Edgar DeJesus August 24, 2026
Pre-approved for $500,000? Learn why every $500,000 Florida home may not produce the same mortgage qualification.
Comprador en Florida revisando precio y preaprobación hipotecaria.
By Edgar DeJesus August 24, 2026
¿Preaprobado por $500,000? Descubre por qué no todas las casas de $500,000 en Florida califican igual.
Comprador de condominio en Florida revisando elegibilidad hipotecaria.
By Edgar DeJesus August 18, 2026
Puedes calificar para la hipoteca aunque el condominio no. Conoce lo que compradores y vendedores de Florida deben revisar.
Florida condo buyer reviewing mortgage eligibility.
By Edgar DeJesus August 18, 2026
You may qualify for a mortgage while the Florida condo does not. Learn what buyers and sellers should check before closing.