How to Monitor Your Credit Without Hurting Your Credit Score

There are two primary credit scoring models that lenders use to determine your risk. They are:

  • FICO® Score
  • VantageScore

Even though each model uses the same credit reports, they weigh the information differently. This means that some consumers may see a significant difference between their two scores. The score that is used will depend on the individual lender, but the FICO® Score is more widely used. However, the VantageScore is typically used for most free credit scores you’ll find online.