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The silly thing about the PLUS score is that it appears to be close to FICO because it is scored on a very similar scale range to the classic FICO.
But while both the NextGen FICO models and the VantageScore allow scores up to (or even beyond) 900, at least they are scores actually designed to be used by lenders. They're designed to analyze risk in the kinds of ways lenders need to see it analyzed, just like classic FICO scores were.
The PLUS score is not only generally unused by lenders, it was never designed for them. It was specifically designed as an educational tool. They made it for us, not for the institutions and people who lend to us.
So that makes for an interesting thought experiment: what does the different behavior of the PLUS scoring model vs FICO say about what they are trying to "teach" us?
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