Do all lenders use the same credit score? May 26, 2020 23:28 Follow No. In order to understand which credit score is used by a particular lender you can ask that lender. Related articles How does this score differ from other credit scores? Who is able to see my credit score? How does my income factor into my credit score? What is considered a good or bad score? I am having issues with my credit score and what is included in the score, who should I contact?