Vantage 3.0 is a credit score derived from all 3 credit Bureaus: Transunion, Experian, and Equifax. While you may just see tradelines from one bureau, the Vantage 3.0 score will give you a true credit score reflecting all 3 bureaus. This method can provide a score for 30 million more people than previous models. This model scores from 300 to 850. More good news - collections that have been reported as paid will no longer affect your credit score. The tradeline will still be visible for 7 years but the score will reflect better when you pay off and close collections.
Created by: Jason Waggoner
Modified on: Wed, 9 May, 2018 at 9:56 AM
Did you find it helpful?Send feedback
Sorry we couldn't be helpful. Help us improve this article with your feedback.