Some things just never change when it comes to what annoys people about their credit report. Although consumers have an always-increasing level of understanding about what contributes to credit scoring, things such as hard or soft inquiries – notations that become part of a credit report and can remain there for up to two years – can still give you a gotcha-moment. Like knowing that hard inquiries are usually the result of collection agencies using credit reports in their skip tracing. Or even when filling out a credit application. It’s all the more reason to energize your cash-cushion with a budget-stretch like title loans when you need to take the ouch out of your bill pile. And it’s no secret that consumers who are stung by late payments, over-the-limit accounts, using up all their available credit, taking cash advances, spending to earn rewards, or chasing teaser rates have figured out that it’s easier to stay one-step ahead of the here-and-now with title loans. They’re just a perfect fit for super-fast-cash. So why wait until tomorrow to find out how auto title loans can be your next big thing.But, finally there is another way to understand your credit score. It’s been a number of years since VantageScore appeared on the credit scene to challenge FICO, the industry leader and the biggest player on the block for prescreening, approving or denying new credit applications. There are few differences among the two players. First, Vantage scores range from A to F while FICO scores range from 300 to 850. Second, Vantage tends to penalize mortgage payments more than it does other types of credit. Thus, consumers who find themselves unable to move beyond a budget-challenge to make mortgage payments and any other unexpected bills on time are using auto title loans more and more to take the ouch out of their debt-equation. Third, Vantage minimizes the scoring impact on debts of $250 or less, while FICO treats all collection accounts over $100 the same. Fourth, Vantage plans to incorporate non-traditional credit data into its scoring model which should make it possible for more consumers to get credit. And then each scoring model offers consumers a benefit not provided by the other – especially when it comes to multiple inquiries for a single purchase.Regardless of their comparison, it’s always a good time to have a budget-friendly plan. Managing money is a serious business. Keeping balances low, making payments on time and knowing about the ins and outs of credit scoring can make a difference. Every point counts. What jumps out is that those all-important records that are used to decide whether we get credit or not, what interest we pay, and even sometimes whether we get a job or an apartment can mean that fast-money moves like auto title loans take on a whole new meaning – especially for the budget-challenged. Title loans mean using your car as collateral to get the fast-money you need right away and take the bite out of your credit score. They’re an easy-win for finding available credit and the endlessly growing need for extra cash.