What model is used to calculate my credit score (FICO, VantageScore, etc.)?

Your credit score displayed in our app is calculated using the VantageScore.

While FICO and VantageScore both serve the same fundamental purpose, they differ in how they calculate scores.  For example, FICO and Vantage weigh late payments differently, evaluate collection accounts in different ways, apply different timing to hard inquiries, and assign different weighting to credit factors like payment history and length of credit history.