Credit Repair

586 Credit Score – VantageScore vs FICO Score [Which Is More Important?]


586 Credit Score – Most Popular?

Vantage Score vs FICO Score – What’s the Difference Between Them?

Credit scores are incredibly important when making major purchases. The better your scores the better your interest rates and the less you’ll end up paying lenders. But which score is more important? Your VantageScore? Or, your FICO Score?


00:00 INTRO
00:21 What’s A Vantage Score
01:14 Factors Affecting Your Vantage Score
01:32 What’s a FICO score?
02:17 Factors Affecting Your FICO Score
02:56 RECAP
03:38 NOTES

Whether it’s a Vantage Score or a FICO Score, I think it’s important to know & understand your credit. I personally use myFICO to get my scores because it’s the most widely-used among lenders.
Get 20% off your 3 bureau credit reports at myFICO using this link:


-Yes, this is an affiliate link and I do earn a small commission when you decide
to get your scores from myFICO. However, I only recommend products on this channel that
1) I have PERSONALLY bought and vetted, 2) I feel will GENUINELY help you.

Today let’s examine the difference between fico and vantage scoring. We’ll look ask some important questions: which credit score is most accurate? which credit score is more important?

Let me know in the comments!

If you enjoyed this video on the FICO Score vs VantageScore, don’t forget to like and share!
Whether you’re pulling a Vantage Score or FICO score, make sure you know where your credit stands. It WILL come in handy someday.

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Got question about credit scores? Let me know in the comments!

Here’s a video discussing the differences between credit reports and credit scores.

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  1. Mind Over Finance
    July 27, 2021 at 2:39 am

    When's the last time you pulled your credit score? Was it a vantage score? Or, a FICO score?

  2. Blaine Cole
    July 27, 2021 at 2:39 am

    Thank you for an easy to understand presentation.
    One critique regarding VantageScore. Wikipedia states the VantageScore model is managed and maintained by an independent company. BUT that "independent" company is jointly owned by Equifax, Experian, and TransUnion. How independent can it actually be?

  3. xxrated- 217
    July 27, 2021 at 2:39 am

    my fico 8 is 554 my vantage is 640 wtf🤦

  4. nathaniel senderoff
    July 27, 2021 at 2:39 am

    Well done!

  5. Anneewakee Champions
    July 27, 2021 at 2:39 am

    My Vantage Score is 26 points lower than my FICO score, Also my FICO show 14 years of credit where Vantage Score only shows 3 years.

  6. Chris
    July 27, 2021 at 2:39 am

    Right now the vantage score is vastly different from FICO Therefore You need to know what your Vanatge and your FICO is. Even then what you are seeing may be completely different from what your lender is seeing. Which is absolutely unacceptable if your denied credit because they are seeing a score that may be 50 to 100 points off from what you are seeing.

  7. Mayar
    July 27, 2021 at 2:39 am

    I like the video!! What editing app to you use to make and edit the video?

  8. Elana Acox - Bouie
    July 27, 2021 at 2:39 am

    My credit score dropped 100 points how can I dispute

  9. bucc bucc
    July 27, 2021 at 2:39 am

    nice shirt

  10. Ricardo Vazquez
    July 27, 2021 at 2:39 am

    For me it's about a 100 point difference

  11. SandcastleDreams
    July 27, 2021 at 2:39 am

    My husband has NO Equifax or Experian score whatsoever! The only one that has a score for him is Transunion. So, even though all three bureaus supposedly come together with the Vantage Score…it doesn't wash out that way!

  12. Say Knows
    July 27, 2021 at 2:39 am

    I use identityIQ to monitor mine, what do you think about them?

  13. Sounds of nature
    July 27, 2021 at 2:39 am