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HeatherShoe2010

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why is there such a big difference in score from transunion and vantage
What score do lenders go by? Vantage or Transunion?

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With the same report, you can have different scores depending on how you distribute the score weights for items in the report. That's why I always recommend a focus on credit report instead of credit score. Each lender has its own preference of credit bureau to pull the report and kind of score to evaluate credit application.

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