CreditWise uses the VantageScore 3.0 model. While most lenders use FICO Score to evaluate your credit, VantageScore is preferred by more than 2,600 financial institutions. The Fair Credit Reporting Act entitles you to one free copy of your credit report every year from each of the three nationwide credit reporting agencies. There are two main credit scoring models that creditors use: FICO Score and VantageScore. Your credit score may vary slightly among credit bureaus.Ĭhecking your credit is an important task that should be done annually.
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