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There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used
You may be mindful about taking steps to protect your identity, but you can miss certain threats if you’re just monitoring your credit and bank statements. Some things that you can’t easily see or fix on your own can also make you vulnerable.