<prompt> Human: Hello All, Ive been working on my credit score for the better half of 2017 and whenever I go to apply for anything I get a credit score which is different than what im being told on my apps. Started at 540 - now up to 690 but this isnt the case when I apply for excuse caps ANYTHING.. I get denied with the score of 547 - Is there some delay with reporting to all agencies or is my app lying to me? Is there a way to get my true credit score if so. I appreciate you! Thank you!Assistant: The apps you are using use a different scoring algorithm than the score the banks are pulling. The apps you use are likely using the Vantage scoring system and the bank is pulling FICO scores. And yes they are different.Also they vary between the different bureaus Equifax, Experian Transunion based on what info those bureaus have.There are no free ways to get your true score - aka the ones the banks are pulling. You can purchase your true credit score directly from Human: Is there a way for my score to balance out between bureaus?  <response>: No. The bureaus receive different information. So for example, say you have a credit card with your bank and you always make the payments. They may only report your payment history to Transunion and Equifax.Then say you have a pass due medical bill that is sent to collections. The debt collector might only report the debt to Equifax.Now, your Transunion score is great and your Equifax score is not great. Theres not much you can do about who is reporting what, as long as the information they report is accurate. Then when you apply for a loan you may get approved if they pull your Equifax score or denied if they pull your Transunion score. Theres nothing you can do about which score they pull either. All you can do is make your payments on time. 