Vantage

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.

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.

• 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

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