How Credit Scores Are Calculated
Explore our comprehensive guides and articles about How Credit Scores Are Calculated.
January 2, 2026
VantageScore 4plus and Experian Credit+Cashflow: How Cashflow & Open‑Banking Data Could Change Approvals
How VantageScore 4plus and Experian Credit+Cashflow use permissioned bank cashflow data to change underwriting, who benefits, and how to opt in safely.
December 31, 2025
FICO Score 10 BNPL: What the BNPL Rollout Means for Your Credit
FICO Score 10 BNPL adds BNPL data to scoring. Learn how the rollout affects approvals, credit behavior, lender decisions, and steps to protect your score.
December 6, 2025
FICO Direct Licensing & VantageScore Adoption: What Mortgage Applicants Need to Know
Learn how FICO's new direct licensing and VantageScore 4.0 acceptance affect mortgage score sourcing, lender costs, and what applicants should watch when applying.
December 3, 2025
When Lenders Use AI: What the CFPB’s Predictive‑Model Guidance Means for Your Credit
CFPB guidance requires lenders using AI to give specific adverse-action reasons. Read how this changes approvals, disputes, and steps to protect credit.
November 14, 2025
How Rent, Utilities and BNPL Are Changing Credit Scores — What Consumers Need to Know
Learn how rent, utilities and BNPL data are being added to credit files, what that means for your score, and practical steps to protect and improve credit.
November 14, 2025
Why Closing Old Accounts Can Hurt Your Score: The Math Behind Average Age and Utilization
Closing long-held accounts can raise utilization and reduce average age. Learn the math, when to keep an account open, and safer alternatives.
November 14, 2025
How Credit Scores Are Calculated in 2025 — What Really Matters
Learn how FICO, VantageScore and new models calculate credit in 2025 — which factors matter most, how trended & BNPL data affect scores, and practical steps.
November 14, 2025
Model Changes to Watch: FICO and VantageScore Updates That Could Affect You in 2025
How 2025 credit-model updates — FICO’s BNPL-inclusive scores and VantageScore 4.0’s mortgage acceptance — could affect your score and homebuying.
November 14, 2025
Payment History, Utilization & Age: What Really Moves Your Credit Score
Discover how payment history, utilization and account age are weighted in modern credit scores — plus practical steps to improve your standing.