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What's a credit score?

A credit score is a number that represents your creditworthiness based on your credit history. It helps lenders assess the risk of lending you money. A higher credit score generally means that you have a lower risk of not paying back loans, making it easier to get credit at favorable terms and interest rates.

What is a Vantage 3.0 Credit Score by TransUnion?

The data in your Current Credit Insights tab is based on your TransUnion® credit report. TransUnion is one of the three major credit bureaus. The VantageScore® credit score presented was calculated based on the information from that credit report.

Can I have multiple credit scores?

You can have multiple credit scores because different credit scoring models exist, such as Vantage 3.0, FICO, and others. Additionally, each credit bureau may generate its own version of your credit score based on the information they have on file. It's normal to see some variations in your scores, but the overall creditworthiness trends should remain consistent.

How can I improve my score?

Focus on maintaining a positive payment history by paying your bills on time. It's also essential to keep your credit utilization low, avoid opening too many new accounts within a short period of time, and manage your existing credit responsibly. Regularly monitoring your credit report for errors or discrepancies is also recommended.

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