Do all lenders use the same credit score? May 26, 2020 23:28 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 long does it take for my score to be updated after I make changes? I am having issues with my credit score and what is included in the score, who should I contact? Which ATMs accept SoFi check deposits?