THE FIRST PERSONAL CREDIT RATING

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Credit plays an important role in your life, affecting the purchases you make and much more. Experian® has been America's number one provider of credit information. In addition to credit reports, we offer guidelines to help you successfully manage your credit rating and protect against credit card fraud.

Achieve your financial goals with VantageScore®

Knowing your personal credit score before you apply for credit may save you time and money and allow you to plan for your financial future. By using VantageScore®, you can now have clear insight into what lenders are reviewing to determine your creditworthiness. Not only do lenders use your score to determine when and if you will receive credit, but your score also is used to determine the borrowing terms of your loan.

Understanding and taking control of your financial well-being can help you achieve your financial goals. VantageScore can help you get there.

What Is VantageScore?

There are many different scoring systems with different scales; a "good" credit score depends on the scoring system used by your particular lender. VantageScore is used as a risk score, which is a key component that lenders use to determine your creditworthiness. If you have a good credit score from Experian, you likely will have a good credit score with your lender.

What makes VantageScore better than other scores?

VantageScore was developed by the three national credit reporting companies (CRCs) — Experian, TransUnion and Equifax. Unlike other scoring systems, it is the most consistent score using only one model with one set of scoring calculations, resulting in scores that are more uniform and consistent.

How a Good Credit Score Is Determined

Developers of credit scoring models review a set of consumers — often more than 1 million. The historical credit profiles of these consumers are examined to identify common variables. The developers then build statistical models by selecting the credit variables most predictive of future behavior and assigning appropriate weights to each variable.

The score is influenced by several factors:

Know Exactly Where Your Credit Stands Using VantageScore

Maintain a good financial history and make informed credit decisions. By using your VantageScore, you will get a more consistent, predictive and accurate score. A more consistent grading scale also means an improved system for rating consumers with poor credit or with a short credit history. Knowing your score can help you negotiate with lenders — which could save you thousands of dollars over the life of a loan.

Understanding VantageScore

VantageScore is based on the traditional A, B, C, D and F rating scale. All credit scores are measured in a numeric range, from 501 to 990. Using VantageScore, your score is translated into an easy-to-understand grading scale so you know exactly where you and your credit stand.

  
  
  
  
  

A: 900-990
B: 800-899
C: 700-799
D: 600-699
F: 501-599

A (900-990)

Consumers in this group have credit scores that rank higher than 84 percent of U.S. consumers. Most lenders are likely to provide the best credit terms available to these consumers.

B (800-899)

Consumers in this group have credit scores that rank higher than 59 percent of U.S. consumers. Most lenders are likely to provide good credit terms available to these customers.

C (700-799)

Consumers in this group have credit scores that rank higher than 39 percent of U.S. consumers. Most lenders are likely to provide the reasonable credit terms available to these consumers. Some lenders may wish to review the credit history of consumers in this category in more depth and may require additional documentation in order to extend favorable terms.

D (600-699)

Consumers in this group have credit scores that rank higher than 19 percent of U.S. consumers. Lenders typically view consumers in this category as higher risk. While many lenders still make credit available, they likely will offer somewhat less favorable terms to compensate for higher default rates in this category.

F (501-599)

Consumers in this group have credit scores that rank in the lowest 19 percent of U.S. consumers. Lenders generally view this as a very high-risk group. Many prefer not to extend credit to this group. Some will extend more traditional credit but require much higher interest payments to compensate for the increased risk associated with this category.

Roll over the letters to find out more about them.

Finally, there is an easier way to understand your personal credit rating. Access your VantageScore safely and securely. Order online for only $7.95 or call 1 888 322 5583.

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