1-Bureau credit score and. Equifax offers a variety of credit monitoring services priced from $4. Determining your score is more complicated than just weighing the different aspects of your credit. They should accurately reflect your credit information as reported by those bureaus — but they may not match other reports and scores out there. TransUnion’s emphasis on current information allows for a more up-to-date snapshot of a person’s credit standing, and includes newer credit data and alternative data sources like. If you see medical debt on your TransUnion credit report you think is the responsibility of the VA, go online to start a dispute. This means that the Equifax credit score may differ slightly from the FICO score, as it is based on a more limited data set. The big three consumer credit bureaus — Equifax, Experian, and TransUnion — create consumer credit reports that companies can use to assess the creditworthiness of individuals. Experian uses the VantageScore and FICO scoring models like the other credit bureaus. The CFPB has taken action against TransUnion four times in the last seven years. These companies compile information about your credit into reports that are used to generate your credit scores. The representative will tell. Whereas, TransUnion scores better on Plans and Pricing, and Monitoring and. The Fair Credit Reporting Act requires the CFPB to submit an annual report about complaints submitted by consumers regarding the nationwide consumer reporting companies: Equifax, Experian, and TransUnion. Year-over-year quarterly sales growth most recently was 3. Make a postal request with TransUnion. Figures, Equifax offers free reports with score right now, it doesn't automatically refresh, you have to manually do it yourself. Because of this they are able to score 30 million more people than most models. The top three are (in alphabetical order) Equifax, Experian, and TransUnion. Capital one recently increased my credit limit from 1000 to 1500 without my permission. The Experian Smart Money ™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Similarly, a good credit score under the FICO Score model falls between 670 and 739. Spot identity theft early. Equifax is the largest credit bureau in the U. Blog. 164 (including taxes/handling charges). According to the report, which was released in early 2022, most of the approximately 700,000 complaints related to inaccurate. From January 2020 to September 2021, the CFPB received more than 800,000 credit or consumer reporting complaints. One issue is that most lenders utilize the FICO model and Credit Karma uses the VantageScore Model which means that the scoring system is different from most lenders. That applied to both individuals and family plans. TransUnion 30%. So, that's at. Which Credit Report is More Accurate, TransUnion or Equifax? First and foremost, it’s crucial to note that credit ratings are calculated using a variety of scoring methods, all of which by their very nature are subjective. Equifax is the second-largest credit reference agency, servicing users with credit reporting and identity protection. What's more, your score of 650 is very close to the Good credit score range of 670-739. Visit our Digital Banking Guide to see a demo of this feature, and learn more about why it’s important to check your credit score here. If the information on your credit report is found to be inaccurate or incomplete, your credit report will be updated, generally within about 30 days. Read on to find out what’s different between the two companies, how they get your credit score, and why you have more than one credit score to begin with. The NCRAs are providing more tailored complaint responses. It charges a monthly fee to access the credit score and report directly, but you can also get the same information for free through ClearScore. Instead, it provides you with a TransUnion Vantage 3. Both TransUnion and Equifax are reliable credit reporting agencies that compile reports and calculate your credit scores using different scoring models. To access these free reports, go to this site. 95/month for two adults. Having said that, your score is still extremely accurate even if TransUnion and Equifax’s numbers differ because. Checking your credit score is considered to be a “soft inquiry. Equifax. Fair credit: 650-699. 2/5 ( 38 votes ) Based on our analysis, Experian provides the best service for the money. creating more personalized recommendations and savings. Equifax, TransUnion and Experian remain the three largest consumer credit reporting agencies. Equifax, TransUnion, and Experian are the three primary credit reporting companies. Check your credit scores and reports from each bureau annually to ensure all the information is accurate. Annual 3-Bureau credit report and VantageScore credit scores. 0 credit score when you sign up for its credit monitoring service. Checking your credit reports can also help you detect any inaccurate or incomplete information. Review your credit reports. The most accurate credit scores are the latest versions of the FICO Score and VantageScore credit-scoring models: FICO Score 8 and VantageScore 3. If you’re worried you have a low credit score, it may have something to do with which credit reporting agency you’re using. The monthly fee for this service is $9. If not, Credit Karma & Borrowell are your main go to then. Across all. TransUnion phone number: 1-800-916-8800. It’s important to keep in mind that credit scores can vary among the. FICO ® Scores are used by 90% of top lenders, so a FICO ® Score is a pretty accurate reflection of your creditworthiness as a lender might see it. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score differing from your Equifax score. Equifax. While Experian is the largest bureau in the U. Atlanta, GA 30374. Equifax uses data dating back 81 months (almost seven years of your financial history), while TransUnion’s model takes into account just your past 24 months (two years). The three-digit score is a numerical representation that indicates how risky a borrower you are from a lender’s perspective. 0. Equifax. Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. As the company has continued to grow the scores have become more and more trustworthy. Checking your credit score is an important step in ensuring your personal information is correct and complete. N> to pay more than $23. Depth of credit: 21%. Credit Karma is perfectly accurate to check your account for. Learn more about the factors that affect your FICO score and how to get it for free. 1 You can also receive free Equifax credit reports with a myEquifax account. Free Credit Reports. Equifax Inc currently has a 1. No one credit report is innately more accurate than the others. Three major credit reporting agencies collect your financial information and compile it into a report — TransUnion, Equifax and Experian. So, your Experian score might differ from your Equifax or TransUnion score. TransUnion VantageScore 3. FICO scores are generally calculated using five categories of information. Equifax: 280–850. A credit reporting agency collects information about consumers’ credit and financial history. Is TransUnion or Equifax More Accurate? Both Equifax and TransUnion are well-established, reputable credit bureaus that provide accurate and reliable information to lenders and consumers alike. 0 and 4. Credit scores from the three main bureaus (Experian, Equifax, and TransUnion) are considered accurate. Experian Credit Reporting and TransUnion Credit Reporting are very close in quality and have the same overall rating. S. It is also very popular. Fair: 580 to 669. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that score is better. Consumers also have a VantageScore, which is the combination of your credit score from Equifax, Experian, and TransUnion. It is a useful tool for monitoring credit before major. 95 per month and include daily credit updates, recommendations, credit locks, monthly tips and more. The most accurate report in any individual case is the one that has the most complete information. Here’s how the score ranges are broken down: 800-850 – Excellent. We encourage you to call the VA at (877)-881-7618 if you have outstanding medical debt that you think is the responsibility of the VA, and the staff will work with you to find a resolution. Transunion vs. Consumers With Changes to Medical Collection Debt Reporting (Mar. Here are the services that TransUnion. These scores may not match up exactly with credit scores based on the FICO® Score 8 credit-scoring model, but they rely on many similar factors. TransUnion’s credit monitoring services cost $24. Credit bureaus are different from credit-scoring companies, such as VantageScore® and FICO®. Regularly checking your credit reports can help you be more aware of what lenders may see. The accuracy of the scores depends on the accuracy of the information provided to them by. A good score with TransUnion and VantageScore® 3. Equifax phone number: 1-888-548-7878. Barclays uses a FICO score — the score most lenders use. Create or sign into your free MyEquifax account to file a credit dispute on your Equifax account. This won’t show up on your Experian or Equifax records. Equifax is generally considered the most accurate, because it uses what’s called a “true credit reporting model. 95/month for one adult. 0; Equifax VantageScore 3. com. TransUnion vs Equifax. Why is my Equifax score so low? The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal. TransUnion gathers information on over 1 billion consumers in over 30 countries across the globe. This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. , TransUnion and Equifax are widely considered to be just as accurate and important. Both TransUnion and Equifax are reliable credit reporting agencies that compile reports and calculate your credit scores using different scoring models. Message 7 of 9 0 Kudos Anonymous. Here is the main phone number for each of the three major credit bureaus. No credit score from any one of the credit bureaus is more valuable or more accurate than another. . It breaks down your credit history, management and behavior reported by lenders to the big three credit bureaus (Equifax, Experian and TransUnion) into an algorithm that creates your score. Credit bureaus must remove your name from marketing lists if you ask. There has been nothing new on my Equifax credit report. Industry-specific FICO® scores — including FICO® Auto Score 8 and FICO® Bankcard Score 8 — have a broader range of 250 to 900. The most accurate credit scores are the latest versions of the FICO Score and VantageScore credit-scoring models: FICO Score 9/10 and VantageScore 3. The truth is no credit score from any one of the credit bureaus is more valuable or more accurate. A credit report is a summary of your credit history, including the types of credit accounts you’ve had, your payment history and certain other information such as your credit limits. You can think of it as a snapshot of your risk level based on your credit history at a specific moment in time. Your lenders may have provided less information to one bureau and more data to another. Equifax sells its credit reports to lenders, credit card issuers, insurers, consumers, healthcare providers, utilities, and employers. GET STARTED. Is 660 a good credit score? 70% of U. Equifax vs. When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions. The FICO score is the most accurate credit score when it comes to applying for loans and credit cards, according to this article. You can also register for Equifax Core Credit for one free monthly credit check. S. When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions. Which one is more accurate TransUnion or Equifax? Equifax: Which is most accurate? No credit score from any one of the credit bureaus is more valuable or more accurate than another. Equifax operates an 81-month credit history while TransUnion checks your data to as far back as over 24 months. Good credit: 700-749. 0 model. The firm also marketed its proprietary TransUnion VantageScore as being a more accurate determinant of a borrower's creditworthiness, and while TransUnion did market its proprietary credit score to lenders, "the vast majority of credit decisions made by lenders. 95, giving you continuous access to your Equifax credit score. By law, you're entitled to one free annual credit report. Experian VS TransUnion VS Equifax question from a Credit Builder. This gives an indication of your credit worthiness and how likely you are to be accepted for credit products in the future. 0; Features. Complaints submitted about the NCRAs accounted for more than 50% of all complaints received by the CFPB in 2020 and more. Inaccurate information can appear on any of your credit reports if it is reported incorrectly by your lender or is a. Score: 4. And scores of 629 or below are bad credit. $19. While that can help you narrow down. Box 740241. ”. Learn how credit bureaus collect and use your information to create credit. Remember, no one has just one credit score, because financial institutions use more than one scoring method. It’s also important to note that credit scores are only sometimes 100% accurate and can vary. One issue is that most lenders utilize the FICO model and Credit Karma uses the VantageScore Model which means that the scoring system is different from most lenders. Neither score is more or less accurate than the other; they’re only being calculated from slightly differing sources. Make a postal request with Equifax. A new analysis by the Consumer Financial Protection Bureau (CFPB) reveals how changes in complaint responses provided by nationwide consumer reporting companies resulted in fewer meaningful responses and less consumer relief. TransUnion provides the VantageScore 3. Its scores are used by more than 2,600 financial institutions and 9 of the 10 largest banks. Information in your credit reports is typically provided to the three nationwide consumer reporting agencies (CRAs) — Equifax, TransUnion and Experian — by. about transunion TransUnion is a global information and insights company with over 12,000 associates operating in more than 30 countries. Spot identity theft early. As you can see in the examples above, Nate’s Experian FICO Score 9 was 25 points higher than his VantageScore from Transunion and 20 points higher than his VantageScore from Equifax. S. Experian is kind enough to offer their FICO 8 score for free while Transunion and Equifax don’t. The FICO Score ranges from a low of 300 to a high of 850. TransUnion had annual revenue in excess of $3. Good: 670 to 739. Equifax, Experian and TransUnion are the three main consumer credit bureaus. One of the most evident differences between these two bureaus is that. Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our. This is because accuracy can depend on a variety of factors, such as the source of the data, the handling of the data and the methods used to compile and report the information. The information contained in your report is used to determine your credit score. Chase Credit Journey uses VantageScore 3. 2 million in fines and restitution for deceiving consumers about the. S. Score ranges break down as follows: Excellent credit: 750+. This means that there is not only a clear 200 point difference between these two bureaus but the “perfect scores” are also different, which is 1000 as reported by Experian and 1200 as reported by Equifax. The three major credit bureaus—TransUnion ®, Experian ® and Equifax. Which credit score is more accurate Experian or TransUnion? While both TransUnion and Experian have some similarities, Experian offers a more robust suite of consumer services. When it comes to credit score accuracy, every bureau holds its own and maybe preferred by a lender. Final Verdict. complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service. The three major credit bureaus Equifax®, TransUnion®, and Experian® own VantageScore, and it was created in 2006 to give more people access to a credit score. This means that there is not only a clear 200 point difference between these two bureaus but the “perfect scores” are also different, which is 1000 as reported by Experian and 1200 as reported by Equifax. The accuracy of credit reports varies based on which. TransUnion’s trailing 12-month revenue is $3. Is your FICO score more accurate than using credit karma ( transunion: 653 equifax: 659 FICO: 705) Also credit karma says I have only 3 months of credit history (since my other accounts are closed) but on the FICO score it says 4 years which is accurate Or are none of these that accurateEquifax Complete™ Premier. Most Important Credit Score for an Auto Loan. Experian, 1-888-397-3742. Of these complaints, more than 700,000 were submitted about Equifax, Experian, or TransUnion. In both cases, higher. ”. Neither score is more or less accurate than the other; they’re only being calculated from slightly differing sources. This is one of the least forgiving bureaus because much more weight is assigned to your payment history and the average age of your credit accounts. 6 million lawsuit stemming from uncorrected errors on an. Different Information Provided to Each Bureau. Equifax Equifax scores range from 280 to 850. National Mortgage Professional, an industry publication, first reported the glitch in May. You can access your credit score from online credit score agencies. Score: 4. TransUnion could focus more on educational resources for consumers looking to improve their credit scores. S. 118 and 1 credit report with credit score costs Rs. TransUnion. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. Different Information Provided to Each Bureau. regulator on Tuesday ordered credit reporting agencies TransUnion <TRU. Currently, no one credit bureau is considered to be more accurate than the other. This score also ranges from 300 up to 850. For example, Equifax currently offers free access to your credit score, where TransUnion has kept that behind its $24. A “good” score may rest in the 661 – 720 range. The three credit agencies collect and house the information that helps potential lenders or employers rate your reliability. On the other hand, TransUnion’s CreditVision Risk Score looks at data over the. LLC uses reasonable efforts to maintain accurate information on the site — and prior to applying for any credit card offers found on. S. Credit score concerns accounted for slightly more than half of all complaints sent to the federal agency in 2020 and 2021, the nonprofit consumer advocacy group found. TransUnion: 300–850. Is TransUnion or Equifax More Accurate? Both Equifax and TransUnion are well-established, reputable credit bureaus that provide accurate and reliable information to lenders and consumers alike. Choosing between Equifax and TransUnion as to which credit bureau is more accurate. S. 95 USD per month for membership, and all subscribers receive credit report monitoring, daily access to the VantageScore credit score that we previously mentioned, daily assistance from an ID restoration specialist to help subscribers recover from identity theft, and finally, up to 500. 0 credit scores from Equifax and TransUnion over time, you can have an easy point of reference to gauge your overall credit health. On its face, a credit score is merely a numerical representation of the data in your credit reports held by the three major credit bureaus, TransUnion, Experian, and Equifax. Experian gives a more detailed picture of a person’s financial history, including payment timeliness and debt utilization. Regular checks ensure the information stays accurate. Generate a more accurate credit score for those with sparse credit histories. Information in your credit reports is typically provided to the three nationwide consumer reporting agencies (CRAs) — Equifax, TransUnion and Experian — by. Equifax uses the Equifax Risk Score, while TransUnion uses the CreditVision Scoring model. Your Equifax credit score is more likely to appear lower than your TransUnion one because of the reporting differences, but a “fair” score from TransUnion is typically “fair” across the board. Experian is kind enough to offer their FICO 8 score for free while Transunion and Equifax don’t. The top three are (in alphabetical order) Equifax, Experian, and TransUnion. Between them, TransUnion and Equifax must pay a total of more than $17. TransUnion, one of the big three credit reporting agencies, has agreed to pay $23 million in fines to settle. 6 Their services allow you to monitor your VantageScore credit score but not your FICO score. 9B in revenue. Credit Karma: Which is more accurate for your credit score? You may be surprised to know that the simple answer is that both are accurate. TransUnion, one of the big three credit reporting agencies, has agreed to pay $23 million in fines to settle. Data provided to the credit bureau: Lenders aren’t legally obligated to report to all three credit bureaus. 5 million fine from the Federal Trade Commission in 2000. Credit reports play an important role in your financial life and we encourage you to regularly check your credit history. consumers' FICO ® Scores are higher than 650. Equifax, Experian, and TransUnion. 472. Potential employers must get your written permission before accessing your credit reports. 0 is between 720 and 780. in 2022 reports, financial protection bureau fired at equifax, experian, and transunion brutally failed to adequately respond to consumers with evers and that. 0 credit scores from TransUnion and Equifax. Along with Experian and TransUnion, Equifax received a $2. The most accurate credit report is the one that includes all of your loans and credit accounts and is error-free. What’s more important are the changes you observe over time in a single score and where that number puts you concerning other consumers. S. This trio dominates the market for collecting information about consumers in the credit markets. Call the credit bureau and follow the instructions. Ongoing credit monitoring; Full credit reports; Educational tools;. A patented hallmark of VantageScore is the ability to deploy the same model independently at Equifax, Experian and TransUnion, which results in a highly predictive and consistent consumer credit score. FICO is a separate product issued by a separate company. Available for free with monthly updates on Paisabazaar. This process takes a tremendous amount of information into consideration, and the result is your three-digit credit score number. $19. Their breakdown of credit factors is: Payment history (40%) Credit utilization (20%) Credit. TransUnion offers TransUnion Credit Monitoring for $24. Stay up to date. , TransUnion and Equifax are widely considered to be just as accurate and important. Your Equifax credit score is more likely to appear lower than your TransUnion one because of the reporting differences, but a “fair” score from TransUnion is typically “fair” across the board. In 2021, Equifax, Experian, and TransUnion together reported relief in response to less than 2%. Daily access to Equifax credit score. ago. , but TransUnion and Equifax are thought to be just as accurate and important. Depth of credit: 21%. Read the legal disclaimers and click on “Continue”. 0. If a collection shows up on Experian, but not the other two bureaus, you Experian credit score will be lower than your TransUnion and Equifax scores. It is calculated by TransUnion, Experian, and Equifax, the three major credit bureaus. Good Credit. A CFPB investigation concluded that Transunion and Equifax deceived Americans about the reports they provided and the fees they charged. You’ll notice that VantageScore and FICO have similar scoring models but weight the scoring factors differently: Payment history: 40%. Those reports are a key part of your credit score, and it's what banks and creditors pull when you apply for a credit card, loan or other lines of credit. Equifax is one of the two main Canadian credit bureaus, along with TransUnion. If you have a 100-point difference between your TransUnion and Equifax credit scores, you might be wondering which is more accurate. It’s impossible to say which credit reporting agency, TransUnion, Experian, or Equifax,. In a joint statement, the CEOs of Experian, Transunion, and Equifax shared this about the extension: “The ongoing availability of free weekly credit reports is another way that our industry is. The Equifax credit score is based on credit data from Equifax, while the FICO score is based on credit data from all three major credit reporting agencies. If you see medical debt on your TransUnion credit report you think is the responsibility of the VA, go online to start a dispute. Follow this checklist to know what to look for on your Equifax credit report. Lenders and creditors report information on a periodic basis; therefore, the balances shown on your Equifax credit report may not reflect your most recent activity. This is similar to Equifax, and you will get detailed information on your credit report and score. 0® by Experian. ”. 95 per month. Through the IXI Network, Equifax tracks more than $28 trillion in anonymized consumer deposit and investment accounts. ”. The CFPB has taken action against TransUnion four times in the last seven years. First, a credit report dispute is when you notify a credit bureau like Equifax about something being wrong. It offers a quick glance at your credit health and history of paying back your. Understanding credit score ranges. Some people want to achieve a score of 850, the highest credit score possible. TransUnion and Equifax may differ with the information they present, one may favor certain lenders more than the other, however, it is important to remember that the information provided by both TransUnion and Equifax is considered to be. That scoring model is inaccurate and is not your fico score. — I'd like to have $25,000 in available credit around this time next year. According to the TransUnion website, it was developed by all three national credit reporting companies (including Equifax and Experian) and is “more predictive, more consistent, and more stable than older models. What's more, your score of 660 is very close to the Good credit score range of 670-739. TransUnion differs in credit history length. It’s possible that a lender may gravitate toward one score over another, but that doesn’t necessarily mean that score is better. Again, you have alternative options where you can check your credit score for free, like Credit Karma. 95/mo after Go to Site More Details. Unlike with FICO where a good credit score is 670, VantageScore requires between 720 and 780. more than 200 million americans are in experian, equifax, and transunion credit reporting system. You should file a credit dispute if you see. The credit scoring process involves comparing your information to other borrowers that are similar to you. Keep in mind, though, that your score’s accuracy is affected by whether your credit report is correct. Is TransUnion or Equifax more accurate? Neither TransUnion or. Credit Karma is an accurate way to check your Vantage credit score with TransUnion and Equifax. The most accurate credit bureaus. VantageScore, which was created collaboratively by the big 3 bureaus in 2006, claims to be more accurate. The Federal Trade Commission (FTC) and the Consumer Financial Protection. Say you have a loan from a lender that only reports to TransUnion. Internet scanning to detect use of. — In my efforts to build credit. Equifax vs. Instead, we work with Equifax and TransUnion to provide. Which Credit Bureau is Most Accurate? Aside from reporting errors, neither TransUnion nor Equifax demonstrates better accuracy. TransUnion is bringing up the rear among the three. A good score with TransUnion and VantageScore® 3. Generally, both bureaus use the 300 – 900 score range for evaluation. consumers submit complaints about negative but otherwise accurate information. The reports you see on Credit Karma may not be exactly the same, but they should at least be accurate. Their behavior is governed by the FCRA. Another difference is that the Equifax credit score is. 0/4. Designed to meet the needs of financing companies and automobile dealers, the score predicts the likelihood of a prospect or existing loan holder becoming 60 or more days delinquent in a 12-month period. It should really a be a right to have free credit score access all year around (not just once a year for all 3) Considering Transunion and Equifax are extremely wealthy, they should be providing their scores for free like Experian. By using Credit Karma to monitor your VantageScore 3. How Accurate is Your Credit Karma Score? Your Credit Karma score, which is generated using the VantageScore model and data from TransUnion and Equifax, is updated every week, so it should be accurate. A credit scoring model like FICO or VantageScore evaluates your Equifax credit report and. Which is why it differs so much from Experian. Talk to a credit or housing counselor. It also provides scores for those with limited credit history. When it comes to the TransUnion vs. Your credit history and credit scores. If a borrower your income and your Credit Karma is the my credit score, TransUnion number. Is TransUnion or Equifax more accurate? When it comes to credit reporting agencies, both TransUnion and Equifax are widely recognized and used by lenders, employers, and landlords to evaluate applicants’ creditworthiness. One other thing to note is that the length of your credit history used by the 2 credit. Equifax offers two credit monitoring plans, Equifax Complete Premier and Equifax Complete. While all three are significant, Equifax and TransUnion are often highlighted as the 2 major credit bureaus due to the frequency with which consumers compare their scores from these two. consumers' FICO ® Scores are higher than 660. Both TransUnion and Equifax use the latest Vantage 3. Last edited: Sep 27, 2017. 8 billion with a -6. A charge-off on a credit report is a negative item that appears on an account when a creditor writes off an unpaid debt as a loss. In contrast, TransUnion offers a free plan, as well as a subscription plan that costs $24. Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that score is better. Experian, Equifax, and TransUnion each offer credit monitoring services. Even then with the different algorithms, the variance between the two scores should be between 7-10% or even less . When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions. Experian. The five main components of an Equifax credit report are personal information, credit accounts, inquiry information, bankruptcies and collections accounts. This free service was first introduced at the o. Credit Karma compiles its own accurate VantageScore based on that.