What is a TransUnion® credit score?

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  • July 16, 2023 at 7:30 pm #9414
    StellarFi
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    July 16, 2023 at 7:37 pm #9439
    Team StellarFi
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    TransUnion® is a credit reporting agency and does not have its own credit scoring system. TransUnion uses VantageScore® instead. TransUnioncompiles your credit score based on public information and information reported by various lenders. Based on these reports, credit scores are calculated using certain scoring models. Every credit bureau uses a different scoring model and some agencies work with scoring companies to provide scores. TransUnion uses VantageScore version 3.0. VantageScore was developed by all three major credit bureaus – Experian®, TransUnion and Equifax® – and is one of the two most widely used credit scoring models other than FICO®. You can access your VantageScore through TransUnion if you subscribe to their credit monitoring services.

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StellarFinance, Inc. and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

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Credit score increase based on StellarFi members’ data. Credit score increase not guaranteed. Credit scores will only be available to members whom we are able to validate. On-time payment history can have a positive impact on your credit score. Nonpayment may negatively impact your credit score. Failure to make monthly minimum payments by the due date each month may result in delinquent reporting to credit bureaus, which may negatively impact your credit score..