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FICO ® Scores are developed by Fair Isaac Corporation. The FICO Score provided by ConsumerInfo.com, Inc., also referred to as Experian Consumer Services ("ECS"), in Experian CreditWorks SM, Credit Tracker SM and/or your free Experian membership (as applicable) is based on FICO Score 8, unless otherwise noted. No, credit reports list your credit history without interpretation. Credit scores, on the other hand, apply a formula to the data in your report to create a three-digit number predicting how