What is a Vantage得分?

I’已收到签约用户的积极回应 体彩官网业力’s free 体彩官网评分 service after I gave a 体彩官网业障评论 根据我自己的经验。




确实,Credit Karma非常棒,但是一些人对‘VantageScore’ component that is an added bonus within your account. I had wondered what a Vantage得分 is myself, so I did a little research and thought I’d分享我发现的内容。

让’首先去源头。据官方介绍 Vantage得分 网站:

由...制作 美国的三个国家体彩官网报告公司(Equifax,Experian和TransUnion),VantageScore Solutions的高度预测模型使用创新,专利和正在申请专利的评分方法为三大主要体彩官网报告公司提供给贷方和消费者更一致的体彩官网评分以及为更多人打分的能力。”

好,那是很多公司的演讲,但是这里’s the reality: Vantage得分 was put together by the three credit bureaus – 益百利, 创联Equifax 为了在2006年与Fair Isaac Corp.竞争,Fair Isaac为 菲科 score, which had come to dominate the market as the preferred score used by lenders when issuing credit. Vantage得分 is 菲科’s competition. The Vantage得分 consortium wants a piece of that pie.

Regardless of motives, more lenders are increasingly using Vantage得分 to rate your credit. It’s to your benefit to know what a good score is and how you are rated so that you can shop around and improve your Vantage得分.

What is a Good Vantage得分?

Whereas the 菲科 scale runs from 300 to 850, Vantage得分 starts at 501 and runs to 990. And how good your Vantage得分 is falls into the following categories:




  • 901-990 = “A”体彩官网=超级总理
  • 801-900 = “B” credit = Prime Plus
  • 701-800 = “C” credit = Prime
  • 601-700 = “D” credit = Non-Prime
  • 501-600 = “F” credit = High Risk

The Vantage得分 3.0 model uses a 300 to 850 range. You can use 这个图 了解2.0与3.0的比较。

You can see your 益百利 and 创联 体彩官网评分s based on the Vantage得分 model in 体彩官网业力.

Vantage得分

What Factors Into your Vantage得分?

Vantage得分 is a predictive modeling tool and recently “upgraded” to Vantage得分 2.0 (mmm…. software analogy).

Vantage得分 factors 以下进入您的分数。

  • 付款记录:您是否一直按时付款?
  • 年龄和体彩官网类型
  • 信贷利用率:您当前正在使用多少总体彩官网额度?
  • 余额:您的经常和欠款帐户余额总计是多少?
  • 最近体彩官网:您有多少个最近开设的体彩官网帐户和体彩官网查询?
  • 可用体彩官网:您当前有权获得的体彩官网总额是多少?

Why Does Vantage得分 Matter?

When you go to apply for credit your lender is going to look at your 体彩官网评分. Your 菲科 score was the primary method that most lenders used for a long time.

尚不清楚VantageScore与FICO的确切市场份额,但根据VantageScore于去年5月的数据,“前五名贷款机构中的四家和前25家金融机构中的八家正在使用VantageScore。” If that’s true, they’自2006年以来,我们已经走了很长一段路。

Vantage得分 currently claims to service:

  • 前五家金融机构中的四家
  • 前五名体彩官网卡发行商中的五家
  • 前5名汽车贷款机构中的2家

底线是唯一重要的分数,就是您的贷方正在使用的分数。如果它’s 菲科,那么您应该担心您的FICO分数。如果它’s Vantage得分,然后再担心。如果它’是个人征信机构之一–然后担心那个。询问您申请体彩官网的每家公司使用的分数。

It’s also why it pays to shop around for the best rate. If one lender is using 菲科 and another Vantage得分 and you have a better 菲科 rating, for example, you might get a better rate offer from the lender that uses 菲科.

体彩官网业力 offers you a 创联 and Vantage得分 for free. The others, you’我必须付钱。唐’除非您必须这样做,否则除非您必须访问官方网站。

也, 体彩官网业力现在提供免费的体彩官网报告访问权限!

Vantage得分 Discussion:

  • Have you borrowed from a lender that uses Vantage得分?
  • Did you find a difference in how you were rated between 菲科 and Vantage得分?
  • Did you shop around based on whether your lender used 菲科 or Vantage得分?

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