What Is VantageScore?
VantageScore is a credit scoring model developed jointly by the three major US credit bureaus: Equifax, Experian, and TransUnion. Its recent versions use a range of 300 to 850, the same as base FICO Scores, but the two models weigh information differently, so the same person can have different scores.
VantageScore vs. FICO
Both use credit report data. VantageScore can generate a score with a shorter credit history, which can make it available to people who do not yet have a FICO Score.
Where You See It
Many free credit monitoring services show VantageScores, while many lenders use FICO Scores; both are legitimate but not interchangeable.
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🔗 Related Terms
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Last updated: September 29, 2026. This definition is for general educational purposes only. It is not financial, investment, tax, legal, or medical advice, and it does not recommend any product or course of action. For decisions about your own situation, consult a qualified professional.