People who have stumbled with a late payment (or lots of late payments), or people who had an account that was sent to collections, and people that have over-used their credit.
VantageScore 3.0 range 300 - 850
IMPORTANT INFORMATION: The presented results are specific to the consumer profiles created for the purposes of this analysis and should not be generalized. There are many unique factors impacting a given consumer’s credit score related to age and mix of credit accounts, payment history, utilization, newly opened credit accounts, among others. In the following scenarios, each utility account that was added included 12 months of on-time payment history.