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How is my credit score calculated?

Updated: Jan 4, 2022

Once you know how your credit score is calculated you're in a better position to improve your credit scores. Knowing how your credit score is calculated is only the first part. Please understand that there are different credit score models available and the most common are Vantage and FICO scoring models. Your Vantage credit scores are mostly shown on credit monitoring sites that you may visit to pull your credit scores such as Credit Karma, IDClub, Identity IQ, ect. If you would like to review your FICO Credit Scores you can do so at myScore