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| Topic | Credit score keeps going down but no negative behavior |
| Kuuko 08/19/25 2:49:38 PM #49: | Doe posted... What's the difference between FICO Score 8 (what I got in the OP from Experian website) and Vantage Score 3.0? I just got a background check for an apartment and Vantage Score has my score as 732.FICO is the one that's actually used by lenders. But the way it calculates scores is all proprietary. VantageScore is an alternative to FICO that no one actually uses but it's easier for you to find your VantageScore because the credit bureaus want it to be popular. Your score between the two will probably be similar but not exactly the same. Technically there are multiple FICO scoring models for different types of lending too but they don't differ enough to get into the details too much. If you have good credit in any of the above scores you probably have good credit on almost all of the others. It's all kind of arcane and opaque as you can tell. --- https://i.imgur.com/dzGMd.png ... Copied to Clipboard! |
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