Disputing
Does Dispute Beast Use FICO or Vantage scores?
Mike
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Discover how Dispute Beast’s credit monitoring service, using Vantage 3.0, simplifies credit repair just as effectively as FICO scores. Learn why cleaning your credit report benefits all scoring models and why choosing between VantageScore and FICO is like picking your favorite sneaker brand.
If you are serious about maximizing your credit repair efforts efficiently and affordably, Dispute Beast is the ultimate tool. Make sure to read the ultimate Dispute Beast FAQ to fully understand how you can leverage this powerful DIY Credit Repair system to transform your financial health!
Short Answer:
Dispute Beast uses Beast Credit Monitoring which currently uses Vantage 3.0. Whether you use Vantage 3.0 or Fico score the data on the credit report is the same. Clean up the credit report on 1 and you clean up the report on all. It’s perfectly fine to clean your credit using a vantage 3.0 system.
Long Answer:
Think of FICO and VantageScore like different brands of sneakers. Both get you where you’re going (showing your creditworthiness), but they fit a bit differently (they use different methods to calculate your score).
FICO Score: This is the old-school, most popular one. Most banks and lenders check this out when they want to know your credit game.
VantageScore: The newer kid on the block, made by the three big credit bureaus. Not as widely used as FICO, but it’s getting there.
Now, when it comes to fixing your credit, it’s all about what’s on your credit report. Think of your credit report as your financial report card. If there’s a bad grade (like a late payment) and you fix it (prove it’s wrong or get it removed), your score goes up, whether it’s FICO or VantageScore.
About the “Vantage 3.0 is no good” comment, it’s kind of like someone saying they don’t like a specific brand or model of sneakers. Maybe it’s not as popular, or maybe it doesn’t fit their needs. But if “Dispute Beast” uses it, they probably have their reasons. Maybe it works well for what they’re doing, just like some people prefer one sneaker brand over another for specific tasks.
So, in short, cleaning up your credit report is good for all types of credit scores, and the score type (FICO or VantageScore) is like choosing between Nike or Adidas—it depends on what you need and what you prefer!
Reminders!
- Read the Ultimate Dispute Beast FAQ for answers to all your questions!
- Get your free Dispute Beast account and start sending your attacks with the press of 1 button by going to https://disputebeast.com/ and clicking get started
- To continue using Dispute Beast, you must maintain an active and paid subscription to Beast Credit Monitoring at all times!
Keep Attacking: Don’t forget to keep up with those attacks every 40 days! Dispute Beast will take a good look at your report and go after any new negatives that have popped up. But hey, I know you might be wondering how long it takes to improve your credit. Let’s think of it like getting in shape. The best results come from consistently eating right and hitting the gym. Same goes for credit improvement. Dedicate 6-12 attack rounds while paying your bills on time, keeping your utilization low (between 1-6%), and limiting your inquiries. This combo should yield some amazing results. Remember, your credit score is a byproduct of your financial behavior. Just like the numbers on the scale fluctuate, your credit score will too. Stay focused, stay consistent, and you’ll see the results you deserve!
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