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 Who is able to see my credit score? How does this score differ from other credit scores? What is considered a good or bad 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?