VantageScore 3.0 is a independent reporting system created by TransUnion, Equifax and Experian since 2006 A new version just released.
VantageScore 4.0
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?
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Credit Factors
VantageScore 4.0
VantageScore 3.0
FICO Score
FICO Score
Utilization Rate
History of Payments
Public Record

100 points in your credit score could cost $75K on a 30-year mortgage

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