Credit Scores Calculation

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How is my credit score calculated?

Your VantageScore® 4.0 credit score is calculated from many different pieces of data in your credit report, such as:

Payment history (extremely influential)
Total credit usage (highly influential)
Credit mix and experience (highly influential)
New accounts opened (moderately influential)
Balances and available credit (less influential)

Credit Score FAQ

What is a credit score?
What is VantageScore®?
How do I check my credit report?
Why does my credit score fluctuate/change?
Why is my credit score at Visions different from other scores I've seen?
Why is my credit score not available in digital banking?
Will receiving my credit score in digital banking or at a Visions branch impact my credit?
What is a FICO® Score?

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