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Where does my credit score come from?


  • Vantage scores are different from FICO scores.
  • Vantage scores are available from one bureau every 30 days and all three bureaus every 365 days.


Process Steps

  1. What is it? 

           a. Aura provides a monthly VantageScore® credit score members can keep a pulse on their credit health.

           b. Members can even view trends over time and see which factors contribute to their latest credit score. 

           c. A VantageScore® credit score is different from a FICO credit score.

           d. Although both are credit scores, they use different scoring models.

           e. The VantageScore® was developed by the three credit bureaus – Equifax®, Experian®, and TransUnion® – and                is one of the most widely used scores to assess credit health. 

      2. Why is this important?

           a. Credit scores are most commonly used by financial institutions (banks, credit card companies, mortgage                lenders) to assess how likely a member will pay back borrowed money. 

           b. A credit score determines a lot: what rates a member will pay, what loans they get, and their financial options. 

           c. The only way to know how their credit is doing is to check it.

           d. Aura’s automated monthly credit score reports allow members to stay on top of their credit score to ensure it                stays healthy, and that no fraud has occurred that may reduce their score.

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