There are 4 Different Credit Scores
Not all Credit scores are the same. You are most likely aware of the 3 Major Credit Agencies: Trans Union Equifax Experian. However, there are also 4 different credit scoring systems:
AUTO
The FICO Auto Score (and other industry-specific scores) focus specifically on the likelihood of you paying back a credit obligation in that field. So the FICO Auto Score will be weighted heavily by how you used car loans in the past, while your Base FICO score won’t have that behavior impact the score nearly as much.
CREDIT CARDS
FICO® Bankcard Scores are an industry-specific version refined to be more predictive of future credit card re-payment risk. To generate a FICO® Bankcard Score, the base FICO® Score is generated first and then adjusted based on predicting likelihood to pay as agreed in the future specifically on a credit card.
INSURANCE
An insurance score is a score calculated from information on your credit report. Credit information is very predictive of future accidents or insurance claims, which is why Progressive, and most insurers, uses this information to help develop more accurate rates. Each insurer has its own method for evaluating this credit information.
MORTGAGE
FICO® scores are the credit scores most lenders use to determine your credit risk and the interest rate you will be charged. You have three FICO® scores, one for each of the three credit bureaus – Experian, TransUnion, and Equifax. Each score is based on information the credit bureau keeps on file about you.
