No, not all lenders use the same credit score model. There are several different credit scoring models used by lenders, with the two most common being the FICO score and the VantageScore. While both models consider similar factors such as payment history, credit utilization, length of credit history, and types of credit used, they may weigh these factors differently and have different scoring ranges. Additionally, some lenders may use their own proprietary scoring models. Therefore, it is possible to have different credit scores from different lenders or credit bureaus.