In the credit world, there are two major players:
FICO Score — the one most banks and lenders use. It’s been around since the 1980s and is used in about 90% of lending decisions, especially for mortgages, car loans, and credit cards.
VantageScore — a newer system, created by the three big credit bureaus (Experian, Equifax, TransUnion). It powers apps like Credit Karma. But here’s the catch: most real lenders don’t trust it as much.
Why? Because VantageScore isn’t as accurate when it comes to predicting whether you’ll actually pay your loan back.
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