The credit score that matters the most is the score that your potential lender is using to determine your creditworthiness.

LendScore uses real-time cash flow data and unique account connection insights from the Plaid Network to provide lenders with an updated view of borrower risk To give lenders a more complete financial ...

Key insight: Experian combines credit, cashflow, trended, and alternative data into one underwriting score. Expert quote: Experian's Scott Brown suggests the model lets lenders "say yes" more often.

Your credit utilisation ratio is a simple percentage, yet it has outsized influence on how lenders and credit bureaus view your borrowing behaviour and creditworthiness.

Forbes contributors publish independent expert analyses and insights. True Tamplin is on a mission to bring financial literacy into schools. A strong credit score is one of the most valuable tools in ...