Quick Answer
VantageScore is a non-FICO scoring model jointly developed by the three major credit bureaus - used in many free credit-score products and increasingly in lender decisioning.
Key Takeaways
- VantageScore 3.0 and 4.0 use a 300–850 range like FICO.
- VantageScore can score files with thinner history.
- Adoption varies by lender and product.
Where You See It
Most free score products provided by consumer apps and banks display a VantageScore rather than a FICO score.
Frequently Asked Questions
Does VantageScore differ much from FICO?
The numbers are usually close but not identical - different models weight factors differently and may use slightly different data.