FICO v. Vantage Score

VantageScore vs. FICO score

The VantageScore is based on six variables, versus the FICO score’s five variables. Here’s a comparison of the two:

Vantage score Payment history 32% Utilization 23% Balances 15% Depth of credit 13% Recent credit 10% Available credit 7% Total 100%   FICO score Payment history 35% Length of credit history 15% Amounts owed 30% Types of credit uses 10% New credit 10%   Total 100%