Glossary

Credit Score

A numerical summary (typically 300-850) of your credit history used by lenders.

While FICO is the dominant model, lenders may also pull VantageScore. The score primarily reflects payment history (35%), credit utilization (30%), length of history (15%), credit mix (10%), and new credit (10%).

Related terms

FICO Score

A 300-850 credit score model used by most lenders to evaluate auto loan applicants.

Soft Credit Pull

A credit inquiry that does not affect your credit score.

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