I was thinking of applying for a store credit card, and I checked my credit on all 3 of the major credit reporting agencies. All of them are different with one being 50 points lower than the highest one. Do they go by the best score, or do they average out the 3 together to get a final FICO score for determination of the credit card?

I have a 592 fico and still need a cosigner? What score is need to purchase a vehicle no money down no cosigner?

For example, if you have 3 scores from each of the bureaus and they are all different – e.g., 675, 700, 725 – is your FICO score the average of the three (700)?