Application risk scores. Many lenders use scoring systems that include the FICO score but also consider information from your credit application.

Customer risk scores. A lender may use these scores to make credit decisions on its current customers. Also called “behavior scores,” these scores generally consider the FICO score along with information on how you have paid that lender in the past.

Other credit bureau scores. These scores may evaluate your credit report differently than FICO scores, and in some cases a higher score may mean more risk, not less risk as with FICO scores.