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Why is my credit score at Visions different from other scores I've seen?

There are many different credit scores available to consumers and lenders. In general, your credit score may vary depending on:

  • The Source Credit Bureau: Each credit bureau has different quality control practices for managing data in credit files.
  • The Credit Scoring Model: VantageScore® has released several credit scoring models, and other companies (such as FICO® Scores) have numerous models available, too, and even develop models that are geared towards specific industries. Lenders who use a credit score as part of their underwriting or to manage accounts understand the variety that exist and do not use different scoring models interchangeably.
  • The Timing: Your credit file can be updated daily as lenders report to the credit bureaus over time, which means your credit score could vary over a few days as new accounts are added or closed, balances and lines of credit updated, and payments reported.
  • Third Parties: If you’re viewing a score provided by a third party, such as your credit score in digital banking, the score is unlikely to be real time and will be updated periodically.
     

When reviewing a credit score, it's a good idea to take note of the score date, consumer reporting agency credit file source, score type, and range for that particular score.

Credit Score FAQ