By Sarah O’Brien@SARAHTGOBRIEN         KEY POINTS The two most familiar brands in the credit-scoring world, FICO and VantageScore, use different algorithms to arrive at your score. One mortgage applicant discovered a difference of more than 40 points between his scores from those two models. Consumers often see the biggest discrepancy when they apply for a mortgage, experts say.   Earlier this year, pharmacy technician Curtis Webb thought his credit score was high enough to help him snag good terms on a mortgage. “It was close to 730. I thought it…

8 Things That Won’t Hurt (Whew!) Your Credit By Bev O’Shea, 9/3/19 Pay a credit card a month late, and you can count on it hurting your credit score. But there are some murkier areas you may wonder about: What happens if Pay a credit card a month late, and you can count on it hurting your credit score. But there are some murkier areas you may wonder about: What happens if I marry someone whose credit is a lot worse than mine? Could my library fine from five years ago keep me from getting approved for a car loan?…