FICO vs. Vantage, or the other way around...

[Anonymous]

My FICO just populated after 6 months of reporting, I had never had credit before. FICO was 768, where my Vantage was somewhere between 674-684. That just doesn't make sense?

[pipeguy]

First welcome to My Fico. As far as your question, this is a very common thread on these forums using search you'll find hundreds of posts on this subject. Bottom line is that FICO Scores are used in virtually all credit decisions including credit cards, auto loans, and mortgages, Vantage Scores are not (with some data on apt rentals).

Congrats on your new FICO score in the high 700's - treat it correctly and it will open a lot of doors.  

[Anonymous]

I wondered the same thing as there is huge variances between the models for my scores dad well. 

[Anonymous]

---

@AnonymousMy FICO just populated after 6 months of reporting, I had never had credit before. FICO was 768, where my Vantage was somewhere between 674-684. That just doesn't make sense?

---

It makes sense.  They are completely different scoring models, so trying to compare them is like comparing apples to oranges.  They weigh criteria differently.  It's like Volvo/Subaru weighing safety as top priority where Honda/Toyota may focus on reliability/longevity and BMW/Mercedes on luxury/performance.  All may be 5-star in some way, but trying to compare one to the other doesn't really make much sense.

Your FICO scores matter far more than your Vantage Scores.  Be happy that your FICO scores are nearly 100 points higher, as some people report their Vantage Scores being considerably higher.

[Anonymous]

My husband and I finally registered credit scores at the beginning of this month. We had the same experience as you. I've read a few other similar stories of folks with clean, new reports having higher ficos and lower vantage scores when they finally registered a score.

Makes me wonder if the vantage scoring model dings folks for having a short (young) history 🤔

I guess it doesnt matter since vantage scores aren't really used by creditors. But it is sort of interesting.