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"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...
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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...
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