About Concordia University-Portland. Concordia University-Portland is committed to the dual purpose of preparing students for life and for living. Founded by The Lutheran ChurchâMissouri Synod, we opened our doors for the first time in Portland, Oregon, in 1905.
Both the Equifax Credit Score and the FICO Score are general-purpose score models used to predict credit risk. The Equifax Credit Score is a proprietary model created by Equifax. The FICO Score is a proprietary model created by Fair Isaac Corporation (FICO) .
Why do Experian, Equifax and Trans Union differ so much in score? Experian, Equifax and Tran Union provide the information used to calculate credit scores in the form of a credit report. They three credit bureaus donât actually calculate a score. There are actually many different credit scoring formulas, called âmodels,â from a number of companies including FICO and VantageScore. The reason the scores differ is that the formulas used to calculate the scores are different, even though the information used in the calculation is the same.