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Both scores are proprietary to Equifax and powered by Equifax’s comprehensive and unique data assets.

The Equifax credit score you receive from the Borrowell website is generated directly from Equifax and is called the Equifax Risk Score 2.0 (ERS 2.0). ERS 2.0 is an Equifax credit score model used by many lenders and institutions when making real-world lending decisions. It’s a legitimate and popular credit score model. We use the ERS 2.0 score in our own lending decisions and choose to show you ERS 2.0 for that reason.

The credit score obtained directly from Equifax uses a slightly different model for weighing credit score factors.