topic Re: FICO vs Vantage-why such a difference? in General Credit Topics

FICO vs Vantage-why such a difference?

Reighn9 — Thu, 05 Feb 2015 02:16:27 GMT

FICO score range is 300-850 and Vantage is 330-850. So the range is close to same then why is my Vantage so much lower than my FICO scores? FICO has me in good to excellent in a range from 692 to 724 but Vantage tops out 663 and drops to 632. My only bad points are 40% utilization, some new accounts which means inquiries.

Re: FICO vs Vantage-why such a difference?

racer-x — Thu, 05 Feb 2015 02:47:04 GMT

Vantage is dead nuts to my ficos

Re: FICO vs Vantage-why such a difference?

takeshi74 — Thu, 05 Feb 2015 14:07:30 GMT

It's not just the range that matters. Different scoring models will produce different results. You should expect different results from different algorithms. This is a very common topic so don't overlook prior discussions as well as the Understanding FICO Scoring subforum and its stickies.

Even different FICO models will produce different results.