By Lisa Storm, AgGeorgia Farm Credit In modern agriculture, the ability to obtain financing is critical in order to keep the farm operation going, whether through capital needs for inputs, equipment, or land. Your credit score can have impact beyond just approval or denial. Depending on the practices of your preferred lender, a higher credit score could mean preferential fees and rates. Credit scores are calculated differently by each of the three main credit bureaus: Equifax, TransUnion, and Experian. While they are different, there are many similarities.