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Have you ever checked your credit score on a free credit monitoring tool and saw one number, but when you went to apply for a loan or credit card your score was actually an entirely different number? This is because there are different credit score model variants, but let's focus on the two most common models: the FICO Credit Score and the VantageScore. These scores are used to determine how likely you are to pay back money borrowed, or your “creditworthiness.”
Read MoreWhen it comes to your credit score, understanding the difference between hard and soft inquiries will give you more control over your finances. Learn the key differences between hard and soft inquiries, how they affect your credit score, when they are used, and tips to manage them responsibly.
Read MoreLooking to improve your credit score? You're not alone. At Service One Credit Union, our FREE credit counseling services are designed to help you take control of your finances and improve your credit score.
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