Frequently Asked Questions
ABOUT MY CREDIT DATA
What organizations collect my credit information?
Can I check my credit file?
What information is in a credit file?
Who has a credit file?
Who maintains credit files?
How can I get rental data added to my credit file?
How do I check that the data VantageScore has in my file is correct?
Will medical debt impact my VantageScore credit score?
Which mortgage providers use VantageScore?
What is the difference between a credit report and a credit file?
ABOUT MY CREDIT SCORE
What are credit scores?
How is a credit score determined?
How are VantageScore scores calculated?
What are the differences between VantageScore models?
How do I know if my credit file and credit score are accurate?
How do I improve or maintain my credit score?
What are best practices when it comes to credit health?
Can you tell me why my credit score went down?
Will my VantageScore credit score improve if I cancel my credit cards?
The reason code that came with my score doesn’t seem correct, why?
I always pay my bills on time, why isn’t my score higher?
How does VantageScore handle multiple inquiries from applications for credit?
Why are my credit scores different?
When do you update my credit score?
I own real estate outright. How is this reflected in my credit score?