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My FICO score rating is "excellent" but the new vantage score is only a "B", why the difference?
My FICO score rating is "excellent" at 765 but the new vantage score is only a "B" at 865, why the difference?
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djroomba
1 year ago
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I have the same situatoin and am wondering the same thing
fmb1 1 year ago
It always seems to be lower than your Fico score for some reason. I noticed this too.
yoakum66 1 year ago
Never use always when it comes to credit scores. From the research that i have done, the two models take weight things differently. It looks like recent credit is much higher rated. Source: http://www.vantagescore.com/about/vantagescore_methodology/
hardeight 1 year ago
My Excellent FICO is a C! That's a huge difference. I can't seem to find any definitive answers as to what Vantage checks that makes the scores so VASTLY different. I saw one article that mentioned utilitiy payments, but when I lived alone those were paid on time every single month. Does ANYONE have a credible answer for this one? Oh, and I checked the vantage score site and it's not very helpful. The details are vague at best.
rachelnewlan 1 year ago
In my case, my FICO rating is 'Good,' but my Vantage rating is Excellent (the highest score possible, in fact). What could explain this difference?
devonbro 1 year ago