There are many different credit scoring models that lenders use to measure your creditworthiness.
Here’s what you need to know:
- Kikoff provides your VantageScore 3.0, while other bureaus or lenders may use FICO to calculate your score.
- Healthy credit habits with Kikoff can help improve your FICO Score as well!
- Since these scoring models use different calculations, your credit scores may look slightly different
- The information Kikoff reports to the bureaus is the same.
- You actually have more than one credit score, and consistent positive activity with Kikoff can positively impact all scoring models over time!