According to Experian, a good credit for VantageScore starts at around 700. Experian says at least 43% of Americans have a good or better VantageScore. The three major credit bureaus Equifax, TransUnion, and Experian developed this criterion. Just as FICO, the models developed by VantageScore operate on data that is stored in the consumer credit files. The national credit bureaus maintain these files. VantageScore uses statistical analysis to predict the probability that a consumer is likely to default on a loan.
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