Vantage 3.0 vs FICO???

[Anonymous]

Hi, I'm new to the site. I'm currently trying to build/rebuild my credit. I have an account with Experian that says my score is 598(FICO 8???) but when I signed up for Nav today it said my score is 547 (vantage 3.0). So which score is the right one? I'm so lost now. Thanks in advance.

[Brian_Earl_Spilner]

They're both credit scores. The one almost all lenders use is FICO.

[Physh1]

They are both right with respect to their calculations & purpose. For the sake of day to day the Fico system is the real world standard. There are several common versions used...Fico is what you want to pay attention to.

[Anonymous]

Was the Vantage score also the Experian score or another?

[K-in-Boston]

Welcome to the forums!  As stated, they are both real scores but you would be hard-pressed to find a lender actually using VantageScore 3.0 for any type of lending decision.  It is not unusual for Vantage scores to be significantly higher or lower than FICO scores (and there are many, so many of those will be higher or lower for the same person - FICO 8 is the most commonly used score), and some people actually them similar.  It is not unusual for my VantageScore 3.0 scores to be 100 points or more lower than my FICO 8 scores because they weigh things differently.

Also, if YouCanThinkofaDecentNAME, let myself or any other moderator know and we'll be happy to change it for you.  

[Anonymous]

They were both Experian scores

[Anonymous]

Ok. It may take a while. I'm afraid my creativity is blocked.

[FlaDude]

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@Anonymous wrote:

Ok. It may take a while. I'm afraid my creativity is blocked.

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How about ThePosterFormerlyKnownAsIcantThinkofAdecentNAME

Regarding scores, it gets way more complex than Vantage vs. FICO. Credit Karma and others provide Vantage 3.0 scores, some places provide the newer Vantage 4.0 scores (Lowes, for example). For FICO, most credit cards and free sites provide FICO8, Citi provides FICO BankCard 8, and there are other various older and newer FICO models that are used by lenders (e.g. FICO 4, FICO9, auto specific scores) totaling about 9-10 per bureau. On top of that, there are less common/popular scoring systems that have been developed and might be used by a small number of lenders.