Then I will tell you why you should not trust these sites at all.

And then I'll outline what you actually need to do when preparing a loan application.

Usually the score you see is vastly different from the actual number and in this video I'll tell you why this is the case AND why you should absolutely avoid sites like the ones I just mentioned when you're preparing to apply for a loan.

0:00 – The problem with credit karma and credit applications
0:19 – Why Credit Karma's score is misleading
1:19 – The 3 credit bureaus (Experian, TransUnion, Equifax)
1:28 – FICO vs. Vantage credit score models
2:04 – Difference between FICO and Vantage (credit usage, payment history)
3:04 – Credit score strategy in 2022

https://www.forbes.com/sites/robertberger/2017/01/06/Which-credit-score-do-lenders-actually-use/?sh=6bfe9f8a30b1

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