fsume93 I too wondered the same thing about the differences in the scores. I have done a little research and this is what I came up with. First off, FICO scores range from 300 to 850 and Vantage range from 500 to 990-- big difference. Now if you have a 623 on your FICO and a 673 on your Vantage notice that on your fico you are closer to 700 (which is considered good for FICO), but Vantage you are closer to the bottom. A 700 on Vantage is only considered ok versus good on FICO. Another difference is the way they calculate. Now FICO, we know, uses 35,30,15,10,10. Now for Vantage their calculations are different, they use 32% payment, 23 utilization, 15 credit available, 13 length and depth, 10 recently opened credit, and 7 for something else (I forgot). Now if FICO used a grading system like Vantage a 720 would be considered a C or B- for Vantage, but in some cases an A in FICO. So just because your score is higher in Vantage it does not mean that it is better. Your goal on Vantage is supposed to be to get as close to 990 as possible, versus getting closer to 850 on FICO. If you ask me, I would rather try to get closer to 850 than 990 any day-- that is like a 140 point difference.