FICO^® Scores are based on the credit information in a credit file with a particular consumer reporting agency (CRA) at the time the score is calculated. The information in your credit files is supplied by lenders, collection agencies and court records. Not all lenders report to all three major CRAs. The FICO^® Score that we provide to you is based on data from your Experian report as of the 'pulled on date' shown with your score.