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@donkort wrote:PayPal credit gives Vantage 4 scores once a month.
Paypal credit is one of the many accounts (over 100+ credit cards and store accounts) backed by Synchrony so that's why you get a Vantage 4 score.
^ What you said----makes me wonder whether all those recent credit-card closings by Synchrony are related to Vantage 4 scores.