MADISON, Wis. (7/24/08)--The Credit Union National Association's (CUNA's) expertise has drifted overseas, with a website in India picking up CUNA's advice about credit scores. The report Wednesday in IndiaPost.com talked about what credit score numbers mean and the misconceptions surrounding credit scores. "More nontraditional types of entities are using credit scores," Jan Garkey, editor with CUNA's center for personal finance, said in the article. While credit ratings and credit scores take on more meaning and importance in everyday life, so do the misunderstandings and misconceptions that surround them, the article said. There's more than one type of credit score, said Garkey. "There are a lot of different scoring models out there," and different creditors add to the confusion by looking at different factors. Many larger financial institutions have their own scoring systems, as do credit bureaus, she said. The article also quoted staff from Experian, a major credit bureau, and Fair Isaac Corp., which pioneered credit scoring and introduced FICO scores.