The idea that you only have one credit score isn't true.
In fact, it's one of the biggest credit score myths people consistently fall for, says John Ulzheimer, a credit expert who formerly worked for FICO and Experian.
"You literally have dozens and dozens and dozens of credit scores that are not all the same three-digit number," he tells CNBC Make It.
Unfortunately, the difference in numbers can cause confusion or even mistrust if you're not aware that you have multiple credit scores, Ulzheimer says.
"But really, they're not doing anything wrong, they're just pulling a completely different credit report."
Persons:
John Ulzheimer, —, Ulzheimer, they're
Organizations:
FICO, CNBC