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Established Contributor
Posts: 510
Registered: ‎04-17-2007
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Vantage vs Fico

What is the main different between EXPERIAN Vantage Score (directly from their website) and EX fico score from this website?
 
Other than "Myfico are the only thing you have to worry about."
 
 
 
 
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
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Re: Vantage vs Fico



Irvin wrote:
What is the main different between EXPERIAN Vantage Score (directly from their website) and EX fico score from this website?
 
Other than "Myfico are the only thing you have to worry about."
 
 
 
 


Completely different scoring system and lenders do not use them.
Valued Contributor
Posts: 1,065
Registered: ‎04-26-2007
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Re: Vantage vs Fico

different scoring models and low to high ranges.
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
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Re: Vantage vs Fico



Irvin wrote:
What is the main different between EXPERIAN Vantage Score (directly from their website) and EX fico score from this website?
 
Other than "Myfico are the only thing you have to worry about."
 
 
 
 


Vantage scoring has less emphasis on revolving util and a higher emphasis on credit mix and balances owed (not cc balances necessarily, maybe installment though, nobody really knows).
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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