Why are my credit scores different across bureaus?
Each bureau (Experian, Equifax, TransUnion) collects data independently. Some lenders report to all three, while others report to only one or two. This results in slight differences in your scores.
What factors affect my credit score the most?
Payment History (~35%)
Credit Utilization (~30%)
Length of Credit History (~15%)
Credit Mix (~10%)
Recent Inquiries (~10%)
How long do negative items stay on my credit report?
Late Payments: Up to 7 years
Bankruptcies: 7–10 years
Hard Inquiries: 2 years
How can I dispute an error on my credit report?
Get a copy of your credit report in CreditVana.
Identify the incorrect item.
File a dispute with the bureau reporting the error (Experian, Equifax, or TransUnion).
Provide supporting documents.
The bureau typically resolves disputes within 30–45 days.
How quickly can I improve my credit score?
There’s no overnight fix, but consistent habits like paying bills on time, reducing debt, and disputing errors can show improvements within 3–6 months.
What is CreditVana? CreditVana is a credit monitoring and financial wellness platform. We provide access to your free Experian credit report and score (one bureau), as well as premium monitoring across all three bureaus (Experian, Equifax, and ...
How much does CreditVana cost? Free Plan: Access to 1-bureau (Experian) credit report & score. Premium Plan: 3-bureau credit monitoring for $3.99/month. How do I upgrade to Premium? Log in to your account. Go to Billing & Subscription. Select Upgrade ...
What Is a Credit Score? A credit score is a three-digit number that represents your creditworthiness. Lenders use it to decide whether to approve loans, credit cards, and other financial products. Range: Usually between 300–850. Higher scores = lower ...
1. What is a Credit Report? A credit report is a detailed record of your credit history, maintained by Experian, Equifax, and TransUnion. Includes: Personal information (name, SSN, addresses) Credit accounts (loans, credit cards) Payment history ...
1. What is a Credit Score? A credit score is a three-digit number that reflects your creditworthiness. CreditVana uses the VantageScore® model (300–850 range). Higher scores = lower credit risk for lenders. 2. Score Ranges 300–579 → Poor 580–669 → ...