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Welcome to the
GO2bank™ Help Center
How can we help?

  1. Help
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  3. Experian Credit Care Advantage
  4. FICO® Score
  5. Why do I have different FICO® Scores?

Why do I have different FICO® Scores?

FICO, which stands for the Fair Isaac Corporation, regularly updates the formula it uses to calculate FICO® Scores.

Currently, most lenders use the FICO® Score 8 formula. But there is a newer version, for instance, called the FICO® Score 9, which isn't yet widely adopted. The FICO® Score 9 reduces the impact of medical debt on your score and will add in rental payments to credit reports when landlords choose to report this information. That may help people without much credit history build a credit file.

Additionally, there are FICO® Scores geared toward different industries, such as auto lending, mortgage lending and credit card issuing. These measure and weight your financial information in slightly different ways. Finally, you may see different FICO® Scores depending on the credit bureau—Experian, TransUnion or Equifax—your lender pulls your score from. The bureaus may receive information from your creditors at different times over the course of a month, which affects, for instance, the amount of credit they'll report you're using, and thus your credit score. A lender may request credit scores from multiple bureaus for that reason.

Related questions

  • How are FICO® Scores calculated?
  • How do I improve my credit score?
  • Why do I have two credit scores on my GO2bank app?

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Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions.

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GO2bank is Green Dot's flagship digital bank. Green Dot has serviced more than 33 million consumers directly over the last 22 years, and many millions more through our banking partners.

GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits.

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