Is Your Credit Score Wrong?! – How To Check


VantageScore 3.0
In 2006, the major credit bureaus – Equifax, Experian, and TransUnion – came together and the VantageScore was created. Besides the FICO score, this is the only other scoring model that lenders to make credit based decisions. While others scoring models requiring their consumers to have 6 months of credit history, the new VS 3.0 requires one of credit history – which is great for those brand new to the world of credit.