Get a Genuine VISA Credit Card. The TOTAL Visa is a perfect tool for people who have faced financial challenges and struggled to get credit in the past. Compare Secured Credit Cards from the best US credit card companies of 2017. Online applications for secure credit cards at CreditLand. For some consumers, however, the credit rating of FICO Score 8 or other FICO Score could vary from the score used by your lender. The statements that 9. FICO Scores and FICO Scores are used in 9. FICO Scores sold to lenders, including but not limited to scores based on FICO Score 8. Base FICO Scores including the FICO Score 8 range from 3. Industry specific FICO Scores range from 2. Higher scores represent a greater likelihood that youll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower FICO Score indicates to lenders that you may be a higher credit risk. There are three different major credit reporting agencies the Experian credit bureau, Trans. Union and Equifax that maintain a record of your credit history known as your credit report. Your FICO Score is based on the information in your credit report at the time it is requested. Your credit report information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your FICO Score can vary if the information they have on file for you is different. Since the information in your report can change over time, your FICO Score may also change.