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Vantascore 4.0.

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Creditin
New Contributor

Vantascore 4.0.

I'm receiving this score thru my Synchrony Cards.

However, I have over 30k CL with 'em in 2 years. Not too shabby IMAO.

If you have a few of these cards, check it out.

Now the most important is credit available and credit utilization. (Extremely influential).

Then, credit mix and loans. (Highly influential).

3rd place, pay your bills on time. (Influential). So payment is taken for granted.

4th, I don't remember.(Not too influential.)

5th Not too many applications. (Almost not influential.)

They say I need a mortgage. (Again?.) And my the average of my CLs is too low.

Thanks Cap1. Three cards with 2300CL TOTAL. They don't know what a CLI is.

For those 2 little details, they punished my with a 792 Score. That's TU.

Cheers.

 

 

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