Vantage and FICO are two completely different scoring models designed by different entities. They vary greatly in how they respond to credit report data and changes. For example, Vantage will often respond wildly to any new account added after the first - Vantage also weighs certain factors differently, like collections, and this is why, especially during the rebuild stage, many see higher Vantage scores and lower FICO scores or vice versa.
FICO is the model the majority of lenders use in making credit decisions and thus, is the model with which you should concern yourself.
Nothing wrong with wanting good scores on both models - just don't stress yourself out when Vantage does something crazy. Eventually, as your reports age and scores stabilize, your Vantage and FICO will align a bit more closely (though still unlikely to match).
FICO is the goto scores for lenders - so place your focus on improving that.
FICO is the model the majority of lenders use in making credit decisions and thus, is the model with which you should concern yourself.
Nothing wrong with wanting good scores on both models - just don't stress yourself out when Vantage does something crazy. Eventually, as your reports age and scores stabilize, your Vantage and FICO will align a bit more closely (though still unlikely to match).
FICO is the goto scores for lenders - so place your focus on improving that.
