Unless you don't exist in the credit system for some reason, you actually have three credit scores. And you have three credit scores because you also have three credit reports — one from each of the major credit bureaus. While each credit report should be similar, chances are they contain different information because certain lenders may only report to one of the major credit bureaus. Therefore, each of your credit scores will likely be different as well. Be sure to review all three of your credit reports and credit scores before you apply for a loan of any kind.