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The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order).

Therefore, it's important to pay attention to and track the factors influencing your score, rather than just the three-digit number.

Traditional credit scoring models weigh credit history heavily, and consumers with shorter credit histories often generate a "thin file." The Vantage Score model tries to remedy this by putting more weight and emphasis on the past 24 months of credit history.

Your Auto Insurance Score, with ranges from 150 to 950, is calculated using data from your Trans Union credit report and is used primarily by auto insurance companies.

But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you.

That's why we provide features like your Approval Odds and savings estimates.