FICO still drives 90%+ of lending decisions, but VantageScore hit 41.7 billion uses in 2024 — here's exactly which score your mortgage, auto, and card lenders will pull.
A medical debt collection account can drop your score up to 100 points—but 2025 CFPB rules now ban most medical debt from credit reports. Here's how to verify removal.
FICO calls 670 good, but lenders reserve their best rates for 740+. See how the ranges break down in 2026 and where the average American score of 717 actually puts you.