During the current economic uncertainty, people are worrying about money — and by extension, their credit. But many borrowers don't know how their credit scores are calculated. The first misconception is that there's a single score; most people have several. FICO scores are the ones most often used by lenders, but there are competitors such as VantageScore, which was developed in 2006 by the three major credit bureaus and is slowly becoming more popular among lenders. There are also different types of FICO scores and different sources for the information used in the calculations. Here are some things consumers might think affect their credit scores — but don't.