VantageScore vs FICO Score: Here’s The Truth

The Vantage credit score is a relatively new player in the world of credit scores and is also a world apart from the FICO score. Make sure you fully understand their similarities – and more importantly – their differences.

What is VantageScore?

Before there was VantageScore, there was FICO. Let’s talk about that first…

  • In 1958 Fair Isaac Corp. created the first credit score model.
  • In ’81 they created the first scoring models for credit agencies.
  • In ’89 they launched the first FICO score for general-purpose.
  • In a nutshell, FICO was first. It has been (and still is) the industry leader for credit scoring. It’s usually what lenders look at when they consider your credit application.

The three major credit reporting agencies – Experian, Equifax and TransUnion – have to pay Fair Isaac to license their proprietary FICO scoring algorithm. So the three of them banded together to create the Vantage credit score for their own use to save money. However FICO was and still is the gold standard for lending/credit decisions – purportedly with a near 90 percent marketshare.

But rather than pay $19.95 every single time you check it (which is what MyFICO charges) you can actually get regular free access to your FICO score with this new card:

If you have excellent credit, then consider this other card of theirs:
The three credit agencies hope their own credit score model, the VantageScore, will become a viable competitor.

  • In March of 2006 the first version was launched. The VantageScore range at the time was 501 to 990 (versus FICO’s 300 to 850).
  • In October 2010 the second version – 2.0 – was launched. It still ran on the same score range, but claimed to offer “improved predictive performance.”
  • In 2013, the score switched to a 300-to-850 range with its 3.0 model to more closely follow FICO.

Who uses VantageScore?

This score hasn’t even been around a decade yet and thus far, lenders have failed to adapt it on a wide scale. To put things in perspective, according to FICO’s website, their scoring models are used by more than 90 percent of the largest lenders. So who is actually using VantageScore? That’s difficult to say.

In 2006 Fair Isaac Corporation filed a lawsuit against VantageScore Solutions, LLC alleging that they were trying to drive Fair Isaac out of the credit scoring industry. Within the 52-page court order, it claimed that VantageScore’s marketshare was only 5.7 percent.

In the years since VantageScore’s usage and market share has most certainly increased, but by how much is anyone’s guess. According to VantageScore’s website, the score is used by

  • 7 of the Top 10 major financial institutions
  • 8 of the Top 10 credit card issuers
  • 6 of the Top 10 auto lenders
  • 5 of the Top 5 mortgage lenders

The question is, however, how often are 7 of the Top 10 major financial institutions using VantageScore vs. FICO? I believe that would give us a clearer picture as to who uses Vantage credit scores.

VantageScore vs. FICO score?

Here’s are a couple things to consider when comparing these scores:


The formulas for both FICO and VantageScore are highly proprietary, so no one can tell you exactly how they are calculated. However, both companies do provide some basic information as to the general categories and how they affect your score. Here’s FICO’s breakdown:

FICO components pie chart

VantageScore, meanwhile, doesn’t have an exact breakdown, but provides this approximation:

Extremely influential factors:
-Payment history

Highly influential factors:
-Age and type of credit
-Percentage of credit limit used

Moderately influential factors:
-Total balances/debt

Less influential factors:
-Recent behavior and inquiries
-Available credit

For a more detailed explanation of this, check out my post about highest credit scores.


So how do you convert a score from one to the other?

Well as mentioned above, even though they’re quite similar, they don’t weigh things the same. For example, VantageScore seems to lump age of account history and credit mix into one “highly influential” category, while FICO divides them up into two less influential categories.

Therefore since these are two different algorithms, an accurate VantageScore to FICO (or vice versa) conversion is not truly possible!

When the VantageScore used its old 501-990 scale, some people recommended converting between them using an approximate, back of the envelope formula like so: multiply Vantage by 0.86 (since FICO’s top score of 850 was just about 86% of 990). Or to convert from FICO to Vantage, you multiply by 1.16 (which is 990 divided by 850). Yes, that might have given you a ballpark approximation, but more often than not, these formulas seemed to yield unreliable results.

Bottom line: Even though the score ranges have been made the same due to Vantage emulating FICO, you can’t draw neat or very accurate comparisons. We are talking about completely different credit scoring models, each weighing the various components in a different manner and each potentially including factors not even shared by the other model.

How important (or not) is your VantageScore to you?

The main reason to consider VantageScore is because it hasn’t been widely adopted by lenders. This is an example of the network effect and clearly since FICO has been around so long it enjoys the fruits of that phenomenon (kind of like how Facebook owns the social networking world despite the best efforts of Google Plus).

You can, however, get your VantageScore for free on some websites and it can certainly be a useful way to track your credit-building process over time and see how certain actions affect your credit. But, with several issuers like Discover Card, Barclaycard and American Express offering genuine FICO scores for free each month included on their billings statements it’s hardly worth going through the Karma exercise anymore in my opinion unless you don’t have or want one of these cards. In fact, the more issuers that jump on the FICO score sharing bandwagon fewer people will be willing to shell out their hard earned money to know that elusive number. And, that kind of seems like it could be an indicator that the Vantage Score is not going to ever be a serious challenger to FICO in the long run. With so many people checking their real FICO score information anything different will simply not receive any notice or have any value placed in it. This is especially true since American Express and Discover began offering free access to FICO scores each month for their cardmembers. Call it the network effect but once enough people (or banks) jump on the bandwagon I predict that’s what will happen.

Sites for free credit scores

Comparing sites that offer free credit scores/reports
Free score typesFree credit report?Frequency of score/report updatesExplanation of score factorsFree credit monitoringCredit score prediction/simulator tool?
Credit KarmaVantageScore 3.0 from TransUnion and EquifaxYES. From TransUnion and EquifaxEvery 7 daysYESYES, via TransUnionYES
Credit SesameVantageScore 3.0 from TransUnion.NO. Can pay per viewing ($9.95 for TransUnion report) or via monthly subscription (starts at $7.95/month for monthly access to TransUnion, Equifax and Experian reports).MonthlyYESYES, via TransUnionNO
QuizzleVantageScore 3.0 from TransUnion.YES. TransUnion report.Every three months (every month for paid accounts)YESNO. Can pay for monitoring plan (starts at $8/month)NO
My.CreditCards.comVantageScore 3.0 from TransUnionYES. TransUnion report.MonthlyYESYES, via TransUnionNO
Credit.comVantage 3.0 from Experian; Experian National Equivalency ScoreNo. Must sign up for access to Experian report with Experian CreditWorks ($1 for 7-day trial, then $21.95/month)MonthlyYESNO. Requires paid plan.NO
Mint.comEquifax Credit Score (proprietary model used by Equifax)NO. Can get Equifax credit report via Mint Credit Monitor ($16.99/month).Quarterly score. Monthly for paid subscribers. Monthly credit report via Mint Credit Monitor (paid)YESNO. Three-bureau monitoring via Mint Credit Monitor.NO
Wise PiggyVantageScore 3.0 from TransUnionNO. Provides “Account Summary”MonthlyYESNONO
Lending TreeVantageScore 3.0 from TransUnionNOMonthlyYESNONO
Capital One's CreditWise (for Capital One cardholders only)VantageScore 3.0 from TransUnionYES (TransUnion)Every 7 daysYES
Discover's ScorecardFICO score (Experian)NOEvery 30 daysYES
Chase's Credit JourneyVantageScore 3.0 from TransUnionNOWeeklyYES
The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Bottom line? Get your FICO score…thats the score the industry uses…I find the VS 3.0 is a moderately higher score by 10-15 points….thats just me. FICO is what will determine the lending rate you pay….NOT VantageScore 3.0..

I have read multiple articles that state that the score consumers get from FICO are in fact Vantage Scores. That the scores a creditor pulls is a true Fico which consumers never truly see. That’s not to say that the Fico scores being provided by credit card companies to their card holders are or are not true Fico scores.

Let’s not get too obsessed about credit scores. The bottom line is, how does your actual credit REPORT look? No matter what scoring model is used, all come from the information from one of the three different credit agencies: Transunion, Equifax, or Experian. Download your actual credit reports free once a year from Make sure they are accurate, and if you have things like a late payment or a high credit card debt, know that will negatively affect your credit score. And try to do better in the future. Whether one score is higher or lower than another is secondary.

EXCEPT…………………Vantage says the score is 643 and Fico says it’s 720. That is one hell of a difference, and it happened to me.

My score also went down 30 points!!! I’m getting the feeling the Vantage score is another way banks are trying to drive up the interest rates they charge….. ‘your score is only _____ so you have to pay a higher rate’… Bend over, here it comes..

Happened to me last week. This is a dirty little secret that the bureaus have created. My history is perfect and over 750. Vantage 603- really?

I am selling my property to a buyer. The buyer submitted his credit report dated 7/15/15. The reporting companies were TransUion, EQUIFAX and Experian. In order the scores were 968, 890 and 920. I read where VantageScore released VantageScore 3.0 in 2013. Is it possible that the three agencies listed would be using the old VantageScore version to report credit scores as late as 7[15/15?

One of the most critical difference between VantageScore 3.0 and FICO 8 is that VS ignores Closed Collections Efforts in the calculation of its credit score. The VS score was created by the big 3 credit reporting agencies not just because of the FICO score but also at the behest of some lenders so that they can justify mortgage lending, and lines of credit, to people who were negatively impacted by the financial crisis. The reason being, imo, that since these were events largely out of folk’s control (I am not considering those who willingly manipulated the system but those who lost incomes thru no fault of their own but because of macroeconomic factors and who previously had great credit) they should be able to get back into the mortgage/credit system.

WSJ had an extensive article about this issue a couple of weeks ago.

Silver linings. .. So I agree that Vantage may not have alot of use right now but that could change quickly.. Everyone seems to be on the Fico band wagon here and Im not sure why.. Fico has had a monopoly on credit decisions for yrs and nobody has stopped to think, is their model even correct.. its all probability.. The likelihood that you take a coin and flip it everyday of your life and always get a heads isn’t great BUT it could happen. Even Fico itself has made adjustments to their algorithms, only because Vantage started to compete with them. It’s a good thing in my opinion. . Checks and balances.. People who think Vantage will never catch on are fooling themselves.. Imagine if the 3 Credit Bureau s decide to stop selling their data to Fico.. END GAME.. not likely but it could happen.. it’s all just probability…

So for many of you, your vantage score is lower than your fico, but for me it’s the opposite. My fico score is waaaay less comparing my fico from score and and my vantage from credit Over 100 points! If anyone knows of an auto lender that uses vantage scores let me know please. Not trying to pay 17.5 percent interest…

Credit Karma is in the business of driving traffic to their site/application. They also get a slice of the pie when you apply or click on a card that they promote. They ARE NOT a true credit reporting agency. I ONLY see value in them if you are trying to improve your credit and want to see scenarios or past activity which may impact your credit…while actually ignoring their score. Remember, Credit Karma makes money by selling something (whether it is advertising space or clicks). So if you login and check your “score” and see that you are a good candidate for a credit card and select that card they get money. If you think your Credit Karma score is actually what lenders currently look at then you may be surprised when you actually try to get credit. At the end of the day, treat Credit Karma like a “training” site for those that want to track activity and play with scenarios. Want to really see what your credit looks like? Well you have to go to FICO to get that. Take your Credit Karma number with a grain of salt. I go through this all the time with people wanting to secure a home loan who think their 700+ Vantage score means something when in fact they have a 600 on FICO. I also use Credit Karma to look at what accounts I have or even to pull the credit report (sans true score) for identity theft tracking and such so it does have SOME value. At the end of the day you get what you pay for so make the best of it.

I received an e-mail from Credit Karma telling me that I had not checked my score in 62 days. The last recorded score, 699, was in large print. So, I went to their website to calm them down by looking at my score. The Vantage score, which the site said was derived using data from TransUnion, was 626. Beside that score was a circle inside which +15 was written. I assumed that was the change in the score. Now, assuming my interpretation of the number in the circle is correct, how can 699 + 15 = 626? All of this information came from Credit Karma, either on their site or in their e-mail. I also did not do anything that would cause my score to drop by 73 points; in fact, I’ve cleared two credit cards.
On the same day, my TransUnion score, provided by one of my credit cards, had risen from 699 to 710.

They switched from posting the Transunion to the Vantage score. You can still see the Transunion if you look at the archive scores it will show them side by side. It dropped me like 90 points, and stressed me out until I figured out what happened.

What are the archive files

I’m guessing the +15 may be 15 points if a certain type of information were to be included in tabulating your score. Just guessing.

So I logged on to Credit Karma today and saw my scores…they are the new Vantage scores…according to them, my Vantage score is 681!! but when I check my FICO score through my capital one, barclays, and discover, my score is 720!! I’ve worked really hard to get it back to a 720 FICO, and now I am besides myself with this new Vantage score. What I don’t understand is how some are posting higher vantage scores than Fico, I have the complete reverse…higher Fico, lower vantage.

I am in shock because I just witnessed the same thing. My credit score on Credit Karma was 718 a month ago, but today I checked and it has dropped to 620. I panicked!! I do not understand how my score could drop almost 100 points when I have not applied for any new credit, have not paid anything late, etc.

Credit Karma switched from Vantage Score 2.0 (scale 501-990) which is why everyone thought they had high credit scores. Now they have switched to Vantage Score 3.0 (scale 350-850) which is more in line with FICO, and closer to your real FICO score–which was the case for me, 728 Credit Karma, and 725 FICO.

I had the same – a drastic drop in score and I panicked because I’m trying to get a mortgage. Then I noticed that Credit Seseme did the very same thing and switched over to Vantage. I know longer trust these two free sites.

Same thing happened to me. My score on Credit Karma dropped 70 points. I called Transunion and they said I needed to purchase my credit score, I did and it was way higher than what credit Karma was reporting. All of this is a scam. Vantage/Fico. My vantage score is a “D” now, Wow worked hard for my FICO. Vantage goes all the way up to 900 points this is ridiculous. No wonder the economy is down and no one can get credit. the 3 bureaus can’t even explain the so called logic behind their scoring system. We have the right to know as consumers. If FICO pulls from the big 3, and all the big 3 have the same scoring system now VANTAGE they all have the same reporting accounts “supposedly” give or take. Yet they all have a different score. High, middle and low and yet, creditors and companies use the big three but we have no idea which system they go by in making decisions to extend credit. Before our credit is screwed up from inquiries. How about telling people, you need a 680 or a 900 to get credit??? this way we won’t screw up our credit even trying to apply for credit. This is all a scam and a game.

I feel the same way. I have been working my behind off to finally get good credit. I recently raised my credit and was able to purchase my first home and now I am obsessed with increasing my credit score. Both my Discover and Barclaycard give me my FICO and it is 695. Recently another credit card has offered the Vantage Score and it has given me a 603 – just 3 points above poor credit. So frustrating!!!

The different scoring models take certain things on your report into account when calculating your score. VantageScore weighs things a little differently and that can end up making it higher or lower than your FICO score.

Just to clarify something though, Capital One does NOT give you your FICO score. It uses TransUnion’s New Account Model as stated in the Help screen on the Credit Tracker page. It even says that Capital One themselves don’t use that model when considering lines of credit for people. Fat lot of good it is. I’m not sure of the other two (Discover or Barclay), but something tells me it’s the same with them.

frustrated realtor

I paid to get my FICO scores from Experian 710, Equifax 700, Transunion 724. Applied for a refinance and had my scores pulled Experian 756, Equifax 744, Transunion 741. Logged on to CrediKarma yesterday and my “vantage scores” were Experian 686, Transunion 686. Needless to say, this is very confusing and frustrating.

I did exactly the same (minus applying for a refinance, which is the purpose I’m monitoring my credit to maximize the best rate) with nearly identical score ranges.

Needless to say CreditKarma’s switch to Vantage and not their ballpark FICO scoring, will prevent me from using CreditKarma moving forward.

Having multiple scoring systems with no consistency in new scoring systems seems to keep the industry doing what it has been doing for 50+ years, and that is using the FICO score and ignoring the others.

Your MyFico is your true score. When you apply for an Auto they use your’Auto Fico’ which is heavily influenced by passed auto payment history. Credit Karma is a Vantage score, they use different formulas than does Fico

We must not neglect the Beacon Score which is a separate score used mostly by car dealers.

While I’m not a fan of regulation, it seems that it is appropriate here.

If people are going to be judged on their credit score, then just as our laws must be equally applied to all, then the same should be said about how credit scores are tabulated.

But we are not all judged the same. For example, I have recently been apprised that Federal Tax Liens are taken off once released by the IRS; yet state tax liens are not, regardless if they have been released or not.

The Bureaus as I am told, argue that state liens are public records and are therefore not subject to be removed; yet a federal tax lien which is also a public record can and will be removed upon application to do so. I would then argue that if you remove one; the other most also be removed.

That is my argument at the moment; I will gladly keep you all abreast of my situation.

What does “not a fan of regulation” really mean? Does that mean regulation of the airline industry to ensure minimum levels of safety are met? Does that mean regulation of city parks to ensure squatters do not set up tent cities? Does that mean regulation of building to ensure your neighbor does not open an adult sex toy store?

Fact is almost all of us benefit from and desire regulation of different sorts.

The key to the effective utilization of credit is for the consumer to understand the components of all credit scores. While the percentage of each component may differ between scores the components are essentially the same. A small amount of time monitoring these components can be most beneficial.

Anyone desiring a reasonable estimate of their credit score should check out Credit Karma. A free service which provides a reasonable estimate of a person’s credit score. This service provides separate summaries for each component of a credit score making monitoring quite easy.

It looks as though Credit Karma has ditched FICO and embraced Vantage score. I am really frustrated with CK. They always showed lower FICO scores than a credit report and now they are using a credit scoring system that 90% of lenders do not use. What is the point of Credit Karma?

Why the hell do I have to pay for MY credit score? Why the hell is the formula to MY credit score a secret? Why the hell are we paying for them to keep tabs on us for other people? And so many more “why the hells?”.

This is ridiculous!
what’s the point of having two of we still consistently use one for major purchases such as house, or cars?

This is the fourth site where I have seen the comparison between FICO and Vantage. I wondered about the statement that FICO uses amount owed and Vantage uses utilization.

I worked at FICO for a number of years and unless things have changed utilization is essentially the same thing as amounts owed .

This is directly from the FICO site (my caps):
“How much of the total credit line is being used and other “revolving” credit accounts
Someone who is close to “maxing out” several credit cards has a high credit UTILIZATION ratio and may have trouble making payments in the future”

Vantage lists three categories that all fall under the class of utilization and amount owed:utilization, balances, available credit.

All three of these can make up various measures of utilization, so they really are redundant and, if the %’s are accurate, Vantage really is heavily weighted towards some measure of “utilization” at 23% + 15% + 7% = 45%.

Seems a bit unbalanced to me.

Utilization does not equal amounts owed. If you have a credit card with a limit of $1000 and you’re only using $100 that’s 10% utilization. If you have a credit card with a limit of $100 and you’re using the $100 that’s 100% utilization. That’s a huge difference. It’s about not maxing out your credit cards. If you max stuff out then you either A)aren’t paying enough, B)can’t control your spending, C)feel the need to open other accounts which creates more debt.

I would assume lenders would want to use credit scoring companies that provide the most accurate scores, in terms of a consumer’s credit worthiness. If lenders believe the VantageScore to more accurate that Fico, then it makes perfect sense for them to use the Vantage score.

The fact that the 3 major CRA’s are the creators of the VantageScore could be nightmare for some consumers. The CRA’s know first hand about people trying to dispute accurate negative accounts, as well as negative accounts that are accurate but being deleted because of “pay for delete” negotiations, which is something the CRA’s don’t like. They are aware of all the loop-holes that consumers try to take advantage of.

You can be sure that this is only one of a number of factors that they have taken into account to determine your VantageScore.


It is infuriating. I worked so hard to bring up my credit score to what is considered a good credit score, but according to the Vantage score, it’s not good. Not only that, but now there are auto insurance scores and homeowners insurance scores. This has to stop.

What does the future hold? Fifteen different scores for everything they can think of?

I don’t understand how I can even gauge my credit score now. I should qualify for a home loan under the FICO but not the Vantage. How can I even have the confidence to apply for a home loan if I can’t even gauge which score they will use? It’s not fair to people who are trying to rebuild their credit.

It’s all about saving money? It figures. Why on earth would we expect them to be fair?

I’m going thru the same thing I paid $29.95 for all 3 bureaus and I get a damn vantage score I didn’t ask for that anyway I am trying to purchase a home myself but scared to apply not sure what score they will use.

Don’t bother buying a Vantage score, it’s just a get-rich-quicker scheme… a market in itself.

My FICO Score is 750, but vantage score is only 767. Just for your reference. I think i got too much type of credit and that is the reason.

My FICO is 780 and my on time payments is 100%. Vantage has found a way to down grade my score to a 737 which = a C in their book. On Karma my score is made up of the three reporting agencies. Why in the world should we have a Vantage score? The advantage goes to the creditors – who, given the choice of a FICO over Vantage score will likely go with which score can justify charging a higher rate of interest to the consumer. The “house” always wins.

The trouble with paying for your FICO is that it isn’t the one they sell to the banks when you’re applying for a loan. i.e. you check your score before applying for a mortgage, think it’s okay, only to find out the score they gave the bank was significantly lower.

How do you know that and is there a way to attain the actual score?

I discovered this to be true when I applied for a mortgage loan. I paid to see my actual credit score so I would know where I stand–which was pretty good. But when I talked to the lender, they have a different score than what I had. We both have confirmed that we are looking at the supposedly same score. It was very frustrating since it meant I got a higher mortgage rate based on the credit score the lender got.

I’m in process of refinancing my loan. Lender came up with a low CREDIT Score (650) then told me because of low CREDIT score the mortgage rate they offered be was high with points. I checked my FICO score, through For $39.95 I could get credit reports and scores from all three credit bureaus. My FICO score from all three was in the 700s. So now I’m confused. What is the true score the consumers are getting? It seems to me that the FCRA should step in and have ALL lenders, car dealers, credit card companies, CONSUMERS, see the SAME 3 FICO scores!

From what I was told by a mortgage lender, is that there is 51 different programs out there for banks, mortgage lenders, car dealers, etc. to use to decide whether or not your credit worthy. You can pull your own credit report, paid or for free & get your “actual” score, which what all institutions start with, but then whatever program they are using to determine your credit worthiness, will give out a different score than what we see. I’ve checked with all 3 bureau’s as a group, as an individual, went through another credit site & they were “similar” (close), so we applied at our “credit union” bank & the score they got was like 12 points less. It of course ticked me off greatly, because according to the Credit Bureau’s we had high Fair credit, but according to the bank, we’re mid-way poor. It wasn’t until I talked to this mortgage lender guy that it finally made sense. It doesn’t matter what the 3 credit bureau’s show us…..your going to lose 10-20 points when you apply for credit (whether its credit card or home loan) & of course the more you apply for credit, the more your going to get a ding for that too.

Regarding VantageScore… Experian and TransUnion are using it but not Equifax. I discovered today, after much time on the phone, that Experian excludes my credit cards that are identified to them as flexible spending accounts. These are in fact VISA and MC credit cards issued by Chase Bank but they have a flexible limit. Experian excludes them from the VantageScore. However, TransUnion does in fact include them in the VantageScore. So, even though my credit reports by these two companies are identical for reported information they differ in the resulting VantageScore by 164 points !!! One would expect if using the same model that the same inclusion rules would apply.

True Statement.

The proposed formula for converting Vantagescore to FICO (V * 0.86 = F) is inherently flawed. Let’s forget the fact that the two systems use different elements of your credit report and assign different weights to them to come up with a score. Even if that part of the methodology were the same, the two systems not only have a different maximum score but a different range of scores as well. With Vantage the range is 501-990, a 489 point spread. With FICO it’s 300 to 850, a 550 point spread. That’s a 61 point difference, which means that a single point in Vantage has a value of around 112.5% of that of a single point in FICO (550 / 489 = 1.1247 or 112.5%).

To convert from Vantage to FICO we should first subtract the minimum Vantagescore of 501 to determine where in the 489 point range the score falls, multiply that result by the Vantage-to-FICO point ratio to see where the score falls in the 550 point FICO range, and finally add the minimum FICO score. So the formula would be:

F = ((V – 501) * (550 / 489)) + 300

Using this formula a perfect Vantagescore of 990 would translate to an 850 FICO. You could also reverse the formula to translate FICO to Vantage:

V = ((F – 300) * (489 / 550)) + 501

Of course, since the scoring methodologies for the two scoring systems are quite different none of this really matters much. The math is just fun.

Yeah this is way off. My Vantage score is 685 and FICO is 625. By your calculation my FICO is 507. Math IS fun… unless you’re really wrong.

Ok I have 776 vantage score what’s my FICO equivalent please ?

Thanks, my brain hurts now.

Good article, Michael.

I checked my VantageScore first and had a 871 there. Since I have always depended on FICO, using the simple math that other websites mentioned, it translated to 747 (871*0.86) on FICO. I knew my score was higher than that and so I paid to get my FICO score – which was 797 ( I really wanted that 800…lol)
So a simple extrapolation of the scores would not work – as rightly mentioned by CreditCardGuru

I would not pay for my Vantage score. Thanks for the article.

I was not aware there was a different credit scoring system. Thank you for enlightening me. CreditCardForum is helping me so much.

Why would banks put the Vantage scoring system into play? Knowing it reflects a higher score especially for someone like me who has tried really hard to get my credit on the right path over the last three years. They’d rather hammer someone with interest if at all possible and if you use a system that reflects a lower score and takes a longer period of time to mend they’ll always have the upper hand.