Credit scores can wield a lot of influence in your life. They can lead to good or bad interest rates offered by lenders when you want to buy a home, or finance a car. You may not realize that they matter even beyond the financial realm. For example, according to a 2016 Bankrate.com survey, 38% of...Read More
"Trended data" tracks borrowing behavior over time. Be aware there are multiple scoring models. Don't make major changes ahead of applying for a mortgage or car loan. Worried about getting a higher credit score? In that case, don't be so quick to shift your behavior to game the latest credit scoring model. VantageScore, created by...Read More
New changes are coming in the fall to how one major credit score is calculated, and the shift could make the key number more forgiving for people who have debt. The VantageScore, a credit scoring model developed by the three major credit reporting bureaus TransUnion, Equifax and Experian, will soon put more weight on the trends in...Read More
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