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How Close are your Vantage Scores To FICO Scores?

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Msafiri732
Member

How Close are your Vantage Scores To FICO Scores?

I've been reading comments all over this board and the general consensus is that the two scores are hardly the same due to the algorithm used in calculating the values. Mine are very close and i wonder if its an aberration. Anyone else see the same thing with theirs? 

 

TransUnion Vantage Score 3.0 - 751

Equifax Vantage Score 3.0 - 751

___________________________________

 

Experian FICO Score 8 - 757

Equifax FICO Score 8 - 752

TransUnion FICO Score 8 - 755

Message 1 of 10
9 REPLIES 9
SUPERSQUID
Valued Contributor

Re: How Close are your Vantage Scores To FICO Scores?


@Msafiri732 wrote:

I've been reading comments all over this board and the general consensus is that the two scores are hardly the same due to the algorithm used in calculating the values. Mine are very close and i wonder if its an aberration. Anyone else see the same thing with theirs? 

 

TransUnion Vantage Score 3.0 - 751

Equifax Vantage Score 3.0 - 751

___________________________________

 

Experian FICO Score 8 - 757

Equifax FICO Score 8 - 752

TransUnion FICO Score 8 - 755


Its odd that your fakos and ficos are so close. usually the fakos are 25 to 30 points higher than the ficos.

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
Message 2 of 10
MileHigh96
Frequent Contributor

Re: How Close are your Vantage Scores To FICO Scores?

My Vantage scores are about 100 points higher than my F8 scores.
BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Closed accounts:
Message 3 of 10
NoHardLimits
Established Contributor

Re: How Close are your Vantage Scores To FICO Scores?

My FICO8 scores are usually within 10 points of my VS3 scores.

April 2024 Scorecard: Clean, Thick, Mature, NO New Revolver
FICO8:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 36 yrs | AoYRA: 12 mos | New Accounts: 0/6, 0/12, 2/24 | Util: 1% | DTI: 1%
Message 4 of 10
rostrow416
Established Contributor

Re: How Close are your Vantage Scores To FICO Scores?

Currently my VSs are a good deal lower than my FICO8s (675-690 VS 740-765) and way lower than my FICO9s (770-790).  

 

However, while my FICOs remain fairly consistent with only a handful of points swinging month to month at most, the VantageScores can have wild 60 point plus swings from week to week.

AMEX Gold | Purdue FCU $20,000 | FNBO Evergreen $15,000 | TFCU Plat Visa $15,000 | PenFed Platinum Rewards $15,000 | PenFed Pathfinder $15,000 | Citizen's Bank Cash Back+ $15,000 | Synchrony Premier MC $10,000 | SG Visa $10,000 | NFCU MoreRewards $7,000 | NFCU cashRewards $17,000 | Discover IT $6,000 | Capital One BuyPower $950 | AMEX BCP $5,000 | AMEX Amazon Prime Business $3,000

B&H Payboo Card $15,000 | Amazon Prime Card $10,000 | PC Richard Card $15,000 | Target RedCard $2,000 | Walmart Store Card $1,400 | Shell Gas Card $1,200 | Overstock Store Card $7,000 | Kohl's Store Card $3,000


Spring Cleaning:
C̶a̶p̶i̶t̶a̶l̶ ̶O̶n̶e̶ ̶Q̶u̶i̶c̶k̶S̶i̶l̶v̶e̶r̶ ̶$̶1̶,̶0̶0̶0̶ | C̶r̶e̶d̶i̶t̶ ̶O̶n̶e̶ ̶V̶i̶s̶a̶ ̶$̶1̶,̶2̶0̶0̶ | M̶e̶r̶r̶i̶c̶k̶ ̶B̶a̶n̶k̶ ̶$̶2̶,̶7̶0̶0̶ | M̶a̶r̶v̶e̶l̶ ̶M̶a̶s̶t̶e̶r̶c̶a̶r̶d̶ ̶$̶1̶,̶̶2̶0̶0̶ | C̶o̶m̶e̶n̶i̶t̶y̶ ̶M̶a̶s̶t̶e̶r̶C̶a̶r̶d̶ ̶$̶1̶,̶1̶8̶0̶
Message 5 of 10
SOGGIE
Valued Contributor

Re: How Close are your Vantage Scores To FICO Scores?

Mine have always been very close.

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben
Message 6 of 10
LakeLife
Established Contributor

Re: How Close are your Vantage Scores To FICO Scores?

Mine are amazingly close:

 

CreditKarma.PNG




Message 7 of 10
OmarGB9
Community Leader
Super Contributor

Re: How Close are your Vantage Scores To FICO Scores?

My FICOS are usually 50-100 points higher (thankfully) than my Vantagescores.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 8 of 10
Msafiri732
Member

Re: How Close are your Vantage Scores To FICO Scores?

Going by the replies, it seems that it doesn't really have a 'norm' and could vary greatly either way too. I'll keep my eye on the scores going forward, especially with inquiries coming off and the AAOA progression and see if there will be any significant variations.

Message 9 of 10
Iusedtolurk
Established Contributor

Re: How Close are your Vantage Scores To FICO Scores?


@Msafiri732 wrote:

I've been reading comments all over this board and the general consensus is that the two scores are hardly the same due to the algorithm used in calculating the values. Mine are very close and i wonder if its an aberration. Anyone else see the same thing with theirs? 

 

TransUnion Vantage Score 3.0 - 751

Equifax Vantage Score 3.0 - 751

___________________________________

 

Experian FICO Score 8 - 757

Equifax FICO Score 8 - 752

TransUnion FICO Score 8 - 755


My VS scores always range approx. 30-40 points above my Fico scores.

Message 10 of 10
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