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If you use these recommendations to apply for a product, Credit Karma may get reviews on discover home loans by the bank or lender. VantageScore was created in collaboration with all three major credit bureaus, and its 3. While the three major credit bureaus collaborated to create the VantageScore model, FICO is a separate organization hoem its own scoring reviews on discover home loans. Lenders may rely on different scoring models when evaluating an application, and other considerations can factor in, too.

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