Who calculates credit scores?

Credit bureau scores such as the FICO score are calculated by the bureau that houses the credit data, at the time the score is requested. Lenders and other users of credit scores will receive the score along with the credit report when they access a consumer's credit bureau file. Credit scores are not permanent or static. Because a consumer's credit file is continually being updated by their various creditors, the score is ever-changing and could be completely different if pulled just hours apart if information related to the consumer's credit information is updated within that time frame.