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If you’ve never had a credit card or loan, you probably won’t have a score.And people who haven’t used credit in years can become “credit invisible.”You are likely to have a Vantage Score® before you have a FICO® Score.Most instantly, a new hard inquiry will probably be added to your report, and your average age of credit history could drop.Due to these factors, opening a new account is likely to drop your credit score in the short term.That’s because Vantage Score® uses alternative data — such as rent or utility payments, if they’re reported to the bureaus — and looks back 24 months for activity.FICO® 8, the scoring model most widely used in lending decisions, looks back only six months and doesn’t use alternative data.

Check your free credit score to see where you stand.While the fact that your credit score hasn’t moved in a few months might seem concerning, it will likely seem less so in the context of a sixty-point improvement over an entire year.When you open a new line of credit, a few immediate changes are usually made to your credit report.You also may have to pay more for car insurance or put down deposits on utilities.Landlords might use your score to decide whether they want you as a tenant.Your credit score uses data on how you’ve handled debt in the past to predict your likelihood of repaying a future loan or credit card balance.The higher your score, the better you look to potential creditors.At Credit Sesame we believe that doing a credit check is vital to your financial well being, and that is why offering you this free service is an important part of our company.Our patented analysis takes a look at your credit history and any debt situation daily and advises you on how much you can save on loans, credit card debt, and your home mortgage.When you get credit and pay it back on time your credit rating improves over time and allows you the opportunity to borrow more from grantors.You have several credit scores you can check from the three top credit bureaus to see where your stand in the range. The most popular credit scoring system in the United States is based on the FICO (Fair Isaac Corp.) range.

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