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 Credit Score vs Rating Credit scores and ratings can be massively confusing. A credit rating refers to your overall credit from a consumer standpoint. It is not use for mortgage consideration. A credit score is a calculation that takes into account various things in your credit records. The result of the calculation is the FICO score and is used by lenders when evaluating mortgages. Get A Free, No-Obligation Consultation with a Mortgage Professional Home | For Sellers | For Buyers | Member Log-in | Contact Us | FAQ | Helpful Links | Site Map FSBO America LLC Content Warning FSBO America LLC |