{"id":359644,"date":"2021-04-28T12:06:57","date_gmt":"2021-04-28T18:06:57","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=359644"},"modified":"2022-02-25T20:34:15","modified_gmt":"2022-02-26T03:34:15","slug":"vantage-score-vs-fico-score","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/credit-score\/vantage-score-vs-fico-score\/","title":{"rendered":"VantageScore vs. FICO Score: the differences you should know"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"200\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/woman-checking-credit-score-hero-feature-600x200.jpg\" alt=\"\" class=\"wp-image-359645\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/woman-checking-credit-score-hero-feature-600x200.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/woman-checking-credit-score-hero-feature-300x100.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/woman-checking-credit-score-hero-feature-768x256.jpg 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/woman-checking-credit-score-hero-feature-450x150.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/woman-checking-credit-score-hero-feature-900x300.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/woman-checking-credit-score-hero-feature-1400x467.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/woman-checking-credit-score-hero-feature.jpg 1501w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Disclosure regarding our editorial content standards<\/a><\/p>\n\n\n\n<p>Although there are some nuanced differences between how VantageScore<sup>\u00ae<\/sup> vs. FICO<sup>\u00ae<\/sup> weigh criteria such as your payment history, your credit score will not be considerably impacted by which provider you choose. Both companies take a comprehensive look at your <a href=\"https:\/\/www.creditrepair.com\/education\/reports\/what-is-a-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\">credit report<\/a> to provide you with an accurate, reputable score that lenders can use to evaluate your creditworthiness.<\/p>\n\n\n\n<p>That said, each model has its own unique features, utilizing different score ranges and rewarding different strategies for borrowing money.<\/p>\n\n\n\n<div class=\"responsive-youtube\"><iframe loading=\"lazy\" width=\"1280\" height=\"720\" src=\"https:\/\/www.youtube.com\/embed\/5ee8sGV4ZtI\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-is-each-score-calculated\">How is each score calculated?<\/h2>\n\n\n\n<p>You probably already know what elements go into <a rel=\"noreferrer noopener\" href=\"https:\/\/www.creditrepair.com\/education\/scores\/credit-score-calculated\" target=\"_blank\">calculating your credit score<\/a>, but depending on which company you get your score from, these categories are weighed slightly differently. FICO, for example, cares more about your payment history than VantageScore does. Let\u2019s take a look at how each company breaks down the influence of these factors.<\/p>\n\n\n\n<p><strong>FICO<\/strong> takes <a rel=\"noreferrer noopener\" href=\"https:\/\/www.myfico.com\/credit-education\/whats-in-your-credit-score\" target=\"_blank\">five elements<\/a> into consideration when determining your credit score.<\/p>\n\n\n\n<ul><li>35% \u2013 Payment history<\/li><li>30% \u2013 Amounts owed (debt)<\/li><li>15% \u2013 Length of credit history<\/li><li>10% \u2013 Credit mix<\/li><li>10% \u2013 New credit (inquiries)<\/li><\/ul>\n\n\n\n<p><strong>VantageScore<\/strong>, in its latest version (4.0), provides a slightly less concrete yet still telling look into how it <a rel=\"noreferrer noopener\" href=\"https:\/\/vantagescore.com\/consumers\/education\/tips-about-credit\/how-credit-scores-work\" target=\"_blank\">calculates your score<\/a>:<\/p>\n\n\n\n<ul><li>Extremely influential \u2013 total credit usage, balance and available credit<\/li><li>Highly influential \u2013 credit mix and experience<\/li><li>Moderately influential \u2013 payment history<\/li><li>Less influential \u2013 age of credit history<\/li><li>Less influential \u2013 new accounts opened<\/li><\/ul>\n\n\n\n<p>VantageScore 4.0 modified its priorities in determining one\u2019s credit score from version 3.0, lessening the impact of payment history. Other factors were moved and consolidated, but none of these changes have had a very consequential impact on how score is determined.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"391\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/impact-of-payment-history-600x391.png\" alt=\"VantageScore's 4.0 update decreased payment history's impact on credit score.\" class=\"wp-image-359647\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/impact-of-payment-history-600x391.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/impact-of-payment-history-300x195.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/impact-of-payment-history-768x500.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/impact-of-payment-history-450x293.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/impact-of-payment-history-900x586.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/impact-of-payment-history-1400x912.png 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/impact-of-payment-history.png 1500w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p>Before going into greater detail regarding how each company analyzes your activity, it\u2019s important to familiarize yourself with the scoring system used by these companies and what each score means for your credit health.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-credit-score-ranges-for-vantagescore-vs-fico\">Credit score ranges for VantageScore vs. FICO<\/h2>\n\n\n\n<p>While converting a score between VantageScore and FICO used to be somewhat complicated with VantageScore\u2019s older versions (1.0 and 2.0) ranging from 501\u2013990, the latest versions (3.0 and 4.0) use the same 300\u2013850 range as FICO scores.<\/p>\n\n\n\n<p>For this reason, as of 2017, both companies follow this <a href=\"https:\/\/www.creditrepair.com\/education\/scores\/range\" target=\"_blank\" rel=\"noreferrer noopener\">range<\/a> and general classification system:<\/p>\n\n\n\n<ul><li>800\u2013850 = Exceptional<\/li><li>740\u2013799 = Very good<\/li><li>670\u2013739 = Good<\/li><li>580\u2013669 = Fair<\/li><li>300\u2013579 = Poor<\/li><\/ul>\n\n\n\n<p>While the max FICO score and VantageScore is 850, lenders do not expect anyone to reach this score to qualify for a quality loan. As long as you are in the range of \u201cGood\u201d and above, you should be perceived to be a reliable borrower by most lenders.<\/p>\n\n\n\n<div class=\"responsive-youtube\"><iframe loading=\"lazy\" width=\"1280\" height=\"720\" src=\"https:\/\/www.youtube.com\/embed\/914CVhwqMcI\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-each-score-look-at-my-activity\">How does each score look at my activity?<\/h2>\n\n\n\n<p>When comparing your VantageScore and FICO score, you may notice a slight difference between the two\u2014that\u2019s to be expected. Let\u2019s take a deeper dive into how each model evaluates your credit report, and what that means for you as a credit user.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-length-of-credit-history\">Length of credit history<\/h3>\n\n\n\n<p>As a rule of thumb, older credit accounts impact your credit score more favorably than newer accounts. The older the average of all accounts, the higher your score will be. The logic behind this is that lenders want to see that you have plenty of experience managing credit accounts. That said, the length of your credit history is not the most significant consideration used to determine either score.<\/p>\n\n\n\n<p>However, the age of your account is still very important for determining whether you can receive a score from VantageScore or FICO to begin with.<\/p>\n\n\n\n<p>In order to obtain a FICO score, you must have at least one account that has been open for six months and at least one account that has reported to the credit bureaus within the past six months. VantageScore is a bit less strict, generating credit scores for those whose accounts are at least a month old, as long as one account has been reported to the credit bureaus in the past two years. That said, if you\u2019re very new to building credit, VantageScore might be your only option.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"392\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/required-age-of-credit-account-600x392.png\" alt=\"To receive a FICO score, you must have a credit account that's been open for at least six months. VantageScore, on the other hand, will generate your score after just one month.\" class=\"wp-image-359648\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/required-age-of-credit-account-600x392.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/required-age-of-credit-account-300x196.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/required-age-of-credit-account-768x502.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/required-age-of-credit-account-450x294.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/required-age-of-credit-account-900x589.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/required-age-of-credit-account-1400x916.png 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/required-age-of-credit-account.png 1500w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-inquiries\">Credit inquiries<\/h3>\n\n\n\n<p>Credit inquiries have a negative but temporary impact on your credit score because they imply uncertainty. <a href=\"https:\/\/www.creditrepair.com\/education\/reports\/soft-and-hard-credit-checks\" target=\"_blank\" rel=\"noreferrer noopener\">Hard inquiries<\/a> occur when applying for new lines of credit, and they communicate to lenders that your \u201ccredit background\u201d was investigated.<\/p>\n\n\n\n<p>VantageScore and FICO each provide varying levels of grace for consumers\u2019 credit inquiries. Cognizant of the many hard inquiries that must be performed when people shop for credit, FICO offers a 45-day window during which all credit inquiries of the same type are counted as just one hard inquiry. This way, you can apply for several new credit cards or personal loans within a short period and only see one hard inquiry logged on your credit report.<\/p>\n\n\n\n<p>VantageScore, on the other hand, offers a 14-day grace window during which multiple credit inquiries are counted as just one hard inquiry. Though this grace period is shorter than FICO\u2019s, the credit inquiries made during the VantageScore grace period <em>do not<\/em> have to be of the same type in order to be folded into the single hard inquiry.<\/p>\n\n\n\n<p>That said, if you\u2019re just interested in buying a new car and you want to apply for several car loans this month, your FICO score will reflect your creditworthiness most favorably. On the other hand, if you\u2019re simultaneously inquiring about the best student loans <em>and<\/em> personal loans to rent an apartment near your school, you\u2019ll want to prioritize fitting all inquiries into a two-week period and relying on your VantageScore for the foreseeable future.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-activity-data-data-history\">Activity data (data history)<\/h3>\n\n\n\n<p>Credit scores are a reflection of credit health at a specific point in time. They do not represent the accumulation of all your credit behavior from the moment you opened your account until today, unless you\u2019re a relatively new credit user. FICO, for example, takes into account data on credit utilization and borrowing that has been reported to credit bureaus at the time the score is requested.<\/p>\n\n\n\n<p>VantageScore 4.0, on the other hand, looks at behavioral trends over time such as trended credit utilization. If you struggle to pay your bills on time, even if you have been doing well the past couple months, VantageScore will take the longer-term data into consideration, pulling from data as far as two years back.<\/p>\n\n\n\n<p>That said, as long as you\u2019re mindful of the general categories that each score takes into consideration, you\u2019re on the right track.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"232\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/average-credit-score-600x232.png\" alt=\"The average FICO credit score was 711 in 2020, compared to the average VantageScore of 688.\" class=\"wp-image-359649\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/average-credit-score-600x232.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/average-credit-score-300x116.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/average-credit-score-768x297.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/average-credit-score-450x174.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/average-credit-score-900x348.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/average-credit-score-1400x541.png 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/04\/average-credit-score.png 1500w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-can-i-get-my-vantagescore-and-fico-credit-scores\">How can I get my VantageScore and FICO credit scores?<\/h2>\n\n\n\n<p>While there are several organizations that allow you to <a href=\"https:\/\/www.creditrepair.com\/education\/scores\/how-to-check-your-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">check your credit score<\/a>, the three primary credit reporting bureaus are Equifax, Experian and TransUnion. Since VantageScore was developed by these three organizations, they all provide you with your VantageScore credit score. Experian is the only one of the three that can also provide you with your FICO score.<\/p>\n\n\n\n<p>However, not all sites provide credit scores for free. Some sites that claim to offer free scores will end up enrolling you in a costly credit monitoring service, so it\u2019s important to do your due diligence before entering your information.<\/p>\n\n\n\n<p>While it\u2019s not a bad idea to check both your VantageScore and FICO score to gain a more comprehensive understanding of what lenders may see, using either score will suffice. Each credit reporting agency allows you to check your score once every 12 months, guaranteeing at least three free checks per year. Visit <a href=\"https:\/\/www.annualcreditreport.com\/index.action\" target=\"_blank\" rel=\"noreferrer noopener\">AnnualCreditReport.com<\/a> for more information about how to check your score.<\/p>\n\n\n\n<p>Don\u2019t stress about the discrepancies between VantageScore and FICO, but instead turn your focus to <a href=\"https:\/\/www.creditrepair.com\/fix-my-credit\" target=\"_blank\" rel=\"noreferrer noopener\">improving both scores<\/a> at once by proactively building a good credit history. Keep an eye on both scores regularly and remember to consult with a financial advisor if personalized tips could help you reach your long-term credit goals.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Although there are some nuanced differences between how VantageScore\u00ae vs. FICO\u00ae weigh criteria such as your payment history, your credit score will not be considerably impacted by which provider you choose<\/p>\n","protected":false},"author":53,"featured_media":359646,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>VantageScore vs. FICO Score | CreditRepair.com<\/title>\n<meta name=\"description\" content=\"When checking your credit score, you may notice a difference between your VantageScore vs. FICO score. Read on to learn what makes them different.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.creditrepair.com\/blog\/credit-score\/vantage-score-vs-fico-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"VantageScore vs. FICO Score: the differences you should know\" \/>\n<meta property=\"og:description\" content=\"When checking your credit score, you may notice a difference between your VantageScore vs. FICO score. 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