FICO vs Vantage-why such a difference?

[Reighn9]

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. 

[racer-x]

Vantage is dead nuts to my ficos

[takeshi74]

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.