Prosper Daily is in the process of upgrading its free credit score from TransRisk 2.0 to TransUnion's VantageScore 3.0 - a more accurate, stable and comprehensive score.
Your score will update monthly on a 300 to 850 scale, along with the factors that are affecting your score. The score factors presented in the app are received directly from the TransUnion credit-bureau.
Credit scores are generated from statistical models based on certain factors in your full credit report. Here are some factors that may affect your score:
- Your total debt
- Types of accounts
- Number of late payments
- Age of accounts
Please note that we only conduct a soft pull on your credit score, which means that checking your credit score through the Prosper Daily app does not adversely affect your credit score history.