(WUSA) --If you received your credit score lately, it may not be the same one your lender is looking at.The Consumer Financial Protection Bureau studied 200,000 credit reports and found 1 out of 5 people are likely to get a score that's dramatically different. That means you could get better, or worse, terms on your loans.

The score a lender sees can depend on the type of loan you are getting. There are 49 different FICO scores to determine how risky you are.

The CFPB says we don't have any way to know which score the lender is using and how it jives with the report we buy from the credit bureaus. The agency says consumers should shop around in case the lender sees a higher score than they think they have.

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