FICO🆚Vantage · Wealth By Design

FICO🆚Vantage

💳 VantageScore vs. FICO — Know the Difference

1️⃣ Same Scale, Different Formula

Both run 300–850 but use completely different calculations. FICO has been the industry standard since 1989. VantageScore launched in 2006, built by the three credit bureaus.

2️⃣ You See VantageScore — Lenders See FICO

Free apps like Credit Karma show VantageScore. But 90% of lenders pull FICO when it counts. The two can differ by 20–50 points — never assume what you see is what they see.

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