It kinda sucks...scores are nowhere near accurate, and whoever/whatever system that monitors your score is ridiculous. Use your credit cards? Watch your score tank, even if you stay under 30% and payoff every month. Used to easily see credit card limits in total, not anymore. When you do pay your cc off/and or on time, points taken from use do not reappear. They actually penalize you for credit card use🙄 The Vantage 3.0 system is trash.