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A Vantage 3 Score is a type of credit scoring model used by Experian to generate the score on your credit report. How Credit Reports Affect Your Mortgage. How To Use Zillow Rental Applications For more details on the types of information Zillow stores please see our Privacy Policy. Zillow credit score . But credit score is of the few things we can all fully control as hard as it might be sometimes. I say summary because you wont get a full credit file. Screening tenants used to be time-consuming and expensive. Common scores include the FICO score and the VantageScore. Zillow uses Experian to provide the credit summaries. So yes Zillow is correct in saying credit score is the most important factor for rates and payments all else being equal. Your credit score is calculated based on a number of factors including things like total debt length of credit history and payment history. Your FICO score is made up of five factors and some carry more weight than others. Ther...