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VantageScore 3.0 and VantageScore 4.0 is a independent
reporting system created by TransUnion, Equifax and Experian
Very Important =
No Impact =
Can Affect Score =
Ignores Paid Collections =
Medical Collections less impact =
Ignores collections less than $100 =
How is Your Credit Score Calculated?
www.keysolutionz.com
Credit Factors
VantageScore 4.0
VantageScore 3.0
FICO Score
8
FICO Score
9
Utilization Rate
History of Payments
Collections
Public Record
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