10h • General discussion 🗣️
Credit Scores & Scoring Models (What Actually Matters)
A credit score is a risk tool lenders use to predict how likely you are to repay a loan. It affects approvals, limits, and interest rates but only if you’re tracking the right score.
Many people monitor a score without knowing which model it comes from.
Ask yourself:
Are you seeing a FICO® score, a VantageScore, or a third-party consumer score lenders don’t use?
Why this matters:
🔹 FICO® Scores are used by about 90% of lenders
🔹 VantageScore is widely shown for free but used by less than 10% of lenders
If you’re optimizing the wrong score, your fundability won’t improve.
No matter the model, always:
✅ Know which score you’re viewing
✅ Monitor your full credit file, not just the number
✅ Focus on heavily weighted factors especially on-time payments
Fundability improves fastest when you work on the levers lenders actually measure.
Click upgrade to get expert help on getting quicker results…
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Credit Scores & Scoring Models (What Actually Matters)
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