Credit Education
How Is Your Credit Score Calculated?
Understanding the difference between scoring models helps you make smarter financial decisions.
VantageScore
300 – 900
Created jointly by TransUnion, Equifax & Experian
FICO Score
300 – 850
The most widely used scoring model by lenders
VantageScore 3.0 and VantageScore 4.0 is an independent reporting system created by TransUnion, Equifax and Experian.
Legend
Very Important
No Impact
Can Affect Score
Ignores Paid Collections
Medical Collections less impact
Ignores collections less than $100
| Credit Factors | VantageScore 4.0 | VantageScore 3.0 | FICO Score 8 | FICO Score 9 |
|---|---|---|---|---|
| Usage Rate | ||||
| History of Payments | ||||
| Collections | ||||
| Public Record |
Score models vary by lender. Information provided is for educational purposes only. KeySolutionz is not affiliated with FICO, VantageScore, or any credit bureau.