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There is no difference between a FICO score and a credit score that is a FICO score. There is a difference between a FICO score and a credit score that is not a FICO score. The difference is what formula is used. There are many different ways to compute a credit score. One formula gives FICO scores.
FICO Â® Scores at each credit bureau. You have FICO Â® Scores for each of the three credit bureaus: Equifax, TransUnion and Experian. Each FICO Â® Score is based on information the credit bureau keeps on file about you.s the information in your credit report changes, so will any new credit score based on your credit report. So your FICO Â® Scores from a month ago are probably not the same score a lender would get from the credit bureau today.