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 Why is my credit score in SoFi Relay different from what I see on other sites? Who is able to see my credit score? How do I turn on/ off credit score monitoring (CSM) notifications? Will applying for a credit card impact my credit score? How do I upgrade to SoFi Plus?