SavvyMoney提供的分数不是FICO分数,但它将接近您的FICO分数. 这两种评分都创建了使用消费者信用数据生成信用评分的评分模型, but they use different methods to calculate scores, which may result in slight scoring differences.
There are three major credit-reporting bureaus (Equifax, Experian, 和Transunion)以及两个评分模型(FICO或VantageScore)来确定信用评分. Financial institutions choose which bureau and scoring model to use. 在计算分数时,一份信用报告可能会考虑200多个因素, and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad Below 500.
SavvyMoney从TransUnion提取你的信用档案,并使用VantageScore 3.0, 一个由三大信用机构Equifax合作开发的信用评分模型, Experian, and TransUnion. 这个模型试图使三个局之间的评分信息更加统一,从而为消费者提供他们的信用状况更好的画面.