Term: VantageScore 3.0
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How Long Does It Really Take to Improve Your Credit?

By Steven Shaw on 9/8/2015

credit score

I was recently looking through last year’s check registers for confirmation of a payment I had made when I noticed my handwriting on several pages looked odd. It took me a moment to realize why: at the time, my right hand was in a cast and I had been writing with my left.

credit score
FICO Score
improve credit score
improve your credit
VantageScore 3.0

The Cities With the Lowest Credit Scores

By Steven Shaw on 11/18/2014

Cities With the Lowest Credit Scores

The average U.S. consumer credit score increased 2 points from 2013, according to Experian’s Fifth Annual State of Credit study. Americans have an average 666 VantageScore 3.0, up from 664 last year, on a scale of 300 to 850. That’s generally considered fair credit.

credit score
credit scores
Lowest Credit Scores
VantageScore 3.0

Help! My Credit Score Disappeared

By Steven Shaw on 11/5/2014

Help! My Credit Score Disappeared

 Have you lived overseas for a few years? Gotten married and gotten by on your spouse’s credit accounts? Have you cut up your credit cards and just paid with cash or your debit card for a good number of years?

If this is you, your credit record may have gone “poof!” and your credit score may have disappeared. Here’s how.

credit score
FICO
FICO credit score
FICO Score
VantageScore
VantageScore 3.0
VantageScore credit score

13 Reasons to Get Your Credit Scores

By Steven Shaw on 5/28/2014

credit scores 

Have you put off checking your credit score and credit reports? Maybe you figure that no news is good news. Or perhaps you think that you might as well not worry about credit until you actually need it.

credit score
credit scores
FICO credit score
VantageScore
VantageScore 3.0

Is VantageScore’s New Score Range Good for Consumers?

By Steven Shaw on 3/18/2013

Is VantageScore's New Score Range Good for Consumers?

Last week, VantageScore, the 7-year-old credit scoring company owned by the three major nationwide consumer credit reporting agencies (CRAs) — Equifax, Experian and TransUnion — took a big step in the direction of making credit scores easier for consumers to understand, as it abandoned the score range of 501-990 it has used since inception. With its new 3.0 model, VantageScore has adopted the range of 300-850, making it consistent with the score range long held by FICO scores.

credit score
credit scores
FICO
VantageScore
VantageScore 3.0