When it comes to credit scores, numbers – namely, your three-digit score and the amount you have to pay to access it – are all that really matter. In simpler terms, it doesn't matter what type of credit score you get – whether FICO or Vantage, for instance – or where you get it, as long as the source is reputable and you receive maximum access for minimal cost. And if you don't buy into that notion, here are four fundamental reasons why seeking out a certain type of score – or ever paying for one – is a fool's errand. 1. You're looking for a needle in a haystack. There are more than 1,000 different types of credit scores currently in use, according to Experian, and each model produces a unique result depending on which of the three major credit bureaus is supplying the underlying information. In other words, you're going to have a very hard time trying to identify the exact type of credit score a given lender will use to evaluate your application. Further complicating matters, there's no way to tell whether a given lender runs the numbers based on more than one bureau's data. And even if you somehow...