Explanation
VantageScore® uses the same 300–850 range as FICO® but can score thin files (as few as one month of history) more easily.
Many free credit monitoring services display VantageScore® 3.0 or 4.0, which is why a 'free score' often differs from the FICO® score a lender uses.
Examples
- •VantageScore® 3.0 — widely used in monitoring tools
- •VantageScore® 4.0 — incorporates trended data
- •Often higher than FICO® for thin-file consumers
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