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What method does Credit Manager by MoneyTips use to calculate my score?

Credit Manager by MoneyTips uses the Vantage 3.0 method to calculate your score. This system was first introduced in 2006 and was developed by the three leading credit bureaus, namely Experian, TransUnion and Equifax. 

The Vantage 3.0 method produces scores for consumers who previously had too little credit history to calculate a score, because it relies on only one month of history, not six months as used by other calculating methods. It also allows you to use information from rentals, utility bills, and other previously excluded accounts to build a more complete credit profile. 

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