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Credit Scores

FICO vs. Vantage Credit Score

 


One of the most frequently asked questions is what's the difference between a FICO Score and a Vantage Score?

The simple answer is, today there is little difference between the two scores. Fico stands for Fair Isiac Corporation and is a privately owned company whereas Vantage is owned by all three major credit bureaus.

They both use a score range of 300 to 850 but they differ in how they weigh some aspects of a consumers credit profile and history. For instance, percentage of available credit, number of recent Inquiries, late payment history each has a different weight on the consumer's score, but in the end the overall credit score for that consumer is fairly consistent with each other.

It is our experience that Vantage is becoming the more popular model as afterall it is owned by the credit bureaus themselves.

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