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A breakdown of what goes into your credit score.
Payment History (35%): Reflects how reliably you've paid bills on time.
Amounts Owed (30%): Measures how much of your credit you’re using.
Length of Credit History (15%): The longer you've had credit, the better, showing experience.
New Credit (10%): Opening many new accounts quickly can lower your score.
Credit Mix (10%): A variety of credit types (loans, credit cards) can boost your score.
Understanding score differences from Custom to FICO to Vantage.
Custom scoring models help financial institutions evaluate your ability to repay loans, creating a more personalized and efficient solution that aligns with your specific financial goals.
FICO Score, developed by Fair Isaac Corporation, is used by lenders to assess the risk of lending money to consumers. It ranges from 300 to 850, with higher scores indicating better creditworthiness.
VantageScore (300-850), by Equifax, Experian, and TransUnion, assesses creditworthiness using factors like payment history and credit usage, aiding those with limited credit histories.
Take your credit score to the next level with these credit tips:
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