How is my credit score calculated?
Your VantageScore® 4.0 credit score is calculated from many different pieces of data in your credit report, such as:
- Payment history (extremely influential)
- Total credit usage (highly influential)
- Credit mix and experience (highly influential)
- New accounts opened (moderately influential)
- Balances and available credit (less influential)
Credit Score FAQ
- What is a credit score?
- What is VantageScore®?
- How do I check my credit report?
- Why does my credit score fluctuate/change?
- Why is my credit score at Visions different from other scores I've seen?
- Why is my credit score not available in digital banking?
- Will receiving my credit score in digital banking or at a Visions branch impact my credit?
- What is a FICO® Score?
