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A New Credit Scoring Model Could
Change Your Approval Odds
Find out in 4 quick questions whether it is likely to help or hurt your specific situation -- before you talk to a lender.
- Works on the same credit report you already have -- nothing to change first
- Handles medical collections and paid collections differently than the old model
- One buyer saw a 129-point difference between models without changing her credit report
- Takes 90 seconds -- your personalized result is on the next page
Free. No credit check. No spam. For educational purposes only.
What's Inside the Guide
What VantageScore 4.0 is, in plain English. How it differs from the Classic FICO models lenders have used for years.
Who it tends to help. Medical collections, thin credit, renters, people paying down debt. And who it usually doesn't.
Five real scenarios. If this is your situation, here's what the new model is likely to do with it.
Three things to do before your lender pulls your credit. Small mistakes here can cost you points you don't need to lose.
Read This If...
You're thinking about buying in the next 12 to 18 months.
You have at least one collection, late payment, or thin credit history.
You've been paying things down and want to know if it actually moves the needle.
You don't want to do the wrong thing before you talk to a lender.
Seven minutes. You'll know exactly where you stand before you make any big moves.
Two Questions I Get a Lot
Q: Will this raise my credit score?
A: No. VantageScore 4.0 is not a loophole. It's a different approved scoring model that can read the same history differently. The guide explains when that difference tends to matter and when it doesn't.
Q: Is this a sales pitch?
A: No. You get the full guide right away. At the end, you'll see how to schedule a free Home Affordability Check if you want me to run your actual numbers.
Know Where You Stand Before You Apply
One step away. Enter your info and I'll send you the guide.