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What is the "T" in FICO 10T?

Let's demystify the acronyms. The "T" in FICO 10T stands for Trended Data. Instead of looking at your credit utilization on the exact day your report is pulled, FICO 10T analyzes a rolling 24-month window of your spending and payment patterns.

Tri-Bureau Consistency

One of the most frustrating things about credit scores is seeing three completely different numbers from Equifax, Experian, and TransUnion. VantageScore 4.0 uses the exact same model across all three major credit bureaus, reducing wild score variances and giving you more predictability.

Yes, Your Rent Finally Counts!

You’ve been paying $2,000+ a month in rent on time for years, but getting zero credit for it on your traditional report? VantageScore 4.0 actively leverages alternative data, including rental payment history to build your score. Make sure your landlord reports your payments!