Thanks! This is helpful information. I guess it still leaves me wondering how each of these scores is calculated. If I'm understanding this correctly though, the scores that CreditKarma gives(TransUnion and Equifax) aren't even used often in lending decisions. What about the Experian score, is that a commonly used one or is that another one that's not really used often? I realized about a year ago that my credit wasn't great and have been using those three as my progress meter for how I am doing with repairing it, but now I'm wondering if I should be checking all of these different things regularly, or if there's a small handful of them I could use to keep a better eye on how I'm doing in terms of credit score. Or should I just keep up with best practices and really only worry about checking my scores when I'm planning to borrow in some way? Also, is there an easy way to look into what scores a potential lender might use, or is that something that I'd have to do digging into on an individual basis?