Anyone have data points or information about a Real Time Adjusted Credit Score?
VantageScore 4Plus(tm) features all the benefits of the widely adopted VantageScore 4.0 model PLUS an
actionable, real-time adjusted credit score based on attributes that leverage consumer-permissioned
bank account information that is FCRA compliant.

The link to the PDF is here: http://www.vantagescore.com/download/19064/?tmstv=1729625557
It seems... interesting! and I searched the forums unsuccessfully for info about it, thanks in advance!
Working towards decent Fico 5,4,2 scores and reducing DTI.
Goals: Mortgage in Summer 2025. No CC or unsecured loans by Winter 2025.