![]() Your score(s) may not be identical or similar to scores received directly from those agencies, from other sources, or from your lender.Ģ Daily monitoring will notify you of certain new inquiries and derogatory information, accounts, public records, or change of address that have been added to your credit reports as reported by any of the three major credit reporting agencies. The version of VantageScore provided here is used by some, but not all, lenders. The VantageScore model, with scores ranging from 300 to 850, was developed jointly by the three major national credit reporting agencies - Experian ®, TransUnion ®, and Equifax ®. *2020 Identity Fraud Study, Javelin Strategy & ResearchġYour VantageScore credit score(s) are provided by VantageScore Solutions LLC. One of the reasons that it is so important to maintain good credit is that a better credit report can mean more favorable loan terms, lower premiums and more financial flexibility. Whenever you apply for credit, or even for such items as homeowners insurance or rental agreements, the lender or agent may pull your credit report to determine your level of risk. There can be positive items on your credit report, such as a history of on time payments, and there can be negative items, such as defaults on loans, excessive amounts of debt, late payments or bankruptcy filings. Inside your credit report, you will find information such as how many credit cards you own and how much available credit you have, any mortgages or car loans, any lines of credit, and your payment history. It can include income information, address history and your credit history. ![]() Your credit report is a file containing a variety of personal data about your financial life and your credit. ![]() If you have never looked at a credit report before, here is what you need to know. ![]()
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