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Vantage

Check your VantageScore® every month, for free1

Another benefit for OneMain Customers in your online account

Others make decisions based on your credit score. Make sure you do, too

House

Landlords and Mortgage Lenders

When you’re buying or renting a home or apartment, and setting up utilities

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Auto Dealers and Lenders

When you apply for a car loan

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Personal Loan Lenders

When you apply for a debt consolidation loan or other type of personal loan

What is a VantageScore?

VantageScore is a credit rating product offered by the three major credit bureaus (Equifax, Experian, and TransUnion). The VantageScore was developed as a tool to compete with the FICO® score, which is well known to most people. VantageScore is a tool used by lenders and creditors in making lending decisions.

Keep in mind, your VantageScore credit score will vary between the three credit bureaus. While the major credit bureaus use the same scoring model, the information on your credit report may differ from bureau to bureau.

How do I get my score?

Getting a copy of your VantageScore is free and easy for OneMain customers. You can view your VantageScore in your online account or the OneMain mobile app. You’ll see your new score, along with a list of reasons why it may have changed. The score is displayed for primary borrower only, and will be updated monthly.

If you don’t have an online account yet, sign up now! Or download the mobile app.

If you are not currently a OneMain customer, you can get your VantageScore by contacting one of the three major credit reporting agencies (TransUnion, Experian, or Equifax) to request your current score. A fee may apply, however.

What influences my VantageScore?

  • Extremely Influential Total credit usage, balance and available credit

  • Highly Influential Credit mix and experience

  • Moderately Influential Payment history

  • Less Influential Age of credit history, new accounts


Source: https://your.vantagescore.com/score-influences

Why is checking my VantageScore Important?

It’s important to know and stay on top of your credit score for any future financial decisions. Your VantageScore helps increase your:

  • Knowledge – see what factors help build and maintain a good score
  • Progress – keep track as you move closer to your goals
  • Safety – keep tab on signs of identify theft

Credit Score FAQs