Also, try making a free account on creditscorecard.com, it will tell you your FICO exp score, and a brief summary of what is benefitting your score and what is harming it..
I would start from there, and just read the forums..
@Anonymous wrote:Hi Everyone. First time poster here. I've done some research as to why my FICO score is so much lower than my other credit scores. I understand that they are calculated differently, however, I am ultimately looking to improve my score in the short term. In short, my transunion and equifax scores have been in the 775-795 range for some time. When I look at my fico score, its typically in the 635-660 range. I've checked credit reports, and both reports are showing the same exact details. My credit report is flawless with the exception of 2 notes. The first is a short average credit length history (I'm at about 2-4 years depending on which report. Oldest account is about 8 or 9 years). The second is that I have a deragotory mark from a hospital from about 5 years ago. I've been meaning to fight this for some time as my insurance should have paid the hospital, but have also been confused with how to go about this. Would these two things lower my FICO so significantly even though it is reported on transunion and equifax? Any advice to get me in the right direction would be great. Thanks in advance.
A "short" average credit history is not a flaw. It does have a limited impact on score but, is treated similarly by VantageScore 3.0 and Fico 08. So, that is not the cause of the score "offset" between the models.
The score difference almost certainly relates to the medical debt (collection?, paid?) being treated differently by VantageScore compared to Fico 08. I suspect the debt must be/have been over $100. If under $100, Fico 08 would not ding your score. If the debt is paid now but was over $100, your Fico 09 scores may be much higher than Fico 08 scores. Note: A collection debt, even 5 years old, can drop score by 100 points.
See below paste regarding VS3
