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When you apply for credit — such as a credit card, auto loan or mortgage — the lender will check your credit report from one or more of the three major consumer reporting agencies (Equifax, Experian and TransUnion). In addition to your credit report(s), they will most likely use a credit score, such as a FICO®Score, in their evaluation of risk before deciding whether to approve your loan. There is more than one type of credit score, but FICO®Scores are used in 90% of lending decisions, making FICO®Scores the most widely used credit scores.