Tag: VantageScore

The article clarifies that free credit scores offered by sites like Credit Karma and Credit Sesame aren’t “fake” or inflated, despite advice to the contrary. While these scores, often based on VantageScore models, differ from the FICO scores lenders typically use, they still provide valuable insight into your credit standing. The main reason for the difference is that various credit reporting agencies and scoring models (FICO, VantageScore, and others) use different formulas to calculate scores, much like grading systems can vary