Credit Repair

Credit Score 712 – FICO Score vs Credit Score [What's the Difference?]


Credit Score 712 – How to Choose

FICO Score vs Credit Score [What’s the Difference?]

What is the difference between your FICO score and your credit score? In this brief video we discuss why the FICO vs credit score line is so fuzzy and what the actual difference is.

I recently pulled my FICO score from Looking into my own scores from the different credit bureaus really made me start to question. The biggest question being “why are credit scores different between agencies?”

But I also started wondering just what credit scores and FICO scores are and how they differ. I’m not a credit expert. But since I had this question myself, I decided to look into it.

We’ll explain how FICO is different from a VantageScore by looking into each model. Of course we could do a much deeper dive into how credit scores are calculated. However, for most of us, the basics are all you need to effectively build a strong credit score.

00:00 – INTRO
00:23 – Credit Score Defined
01:15 – FICO Score Defined
02:22 – The Big Difference
03:33 – What Surprised Me About My FICO Score
04:40 – Wrap Up

#FICOvsCreditScore #FICOScorevsCreditScore #creditquestions

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I’m not a professional, Wall Street analyst nor am I a financial advisor. This video isn’t intended to be investment advice. ALWAYS do your own research before investing any money in any stock, bond or other investment.

Please note that this page does contain affiliate links and I do earn a small commission (at not extra cost to you) when you make purchases using the links on this page.

While I’m no credit expert, I’ll research whatever I can. Please leave your FICO and credit score questions in the comments section!

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  33. Joseph R Rivera
    July 23, 2021 at 7:23 pm

    Hello, interesting explanation. Thank you for that good information. I wanted to know if perhaps you could answer another question that's been bugging me for some time now. I've actually spoken to each of the three bureau's and they've all pretty much told me the same thing. They've said that they all derive their scores based on the FICO score. This part is confusing to me because I'm not sure exactly who I should be paying attention to most and who I should be following. Additionally, I recall a time when if you were late with a payment, your score obviously went down. That part is pretty clear to understand. Now even if you pay off a balance or even use your credit cards for any purchases, your score will also go down. Example: I pretty much always maintain a zero balance on all my cards or pay off any balances before the card cut-off dates. So when I used one of my cards to make a small purchase of $111.00 which equated to less than 2% of my available credit for that card, my score went down by 31 points. When I asked the specific bureau why their reply was because that's what my creditor had reported. This also being in the middle of the billing cycle!!! They also said that they obtained that information from FICO. So what do I do?!? If I use my cards I get penalized, if I don't use my cards, I get penalized. What is the average consumer supposed to do here? This is in spite of my having an average score of 810 too!!!! I'd really like to hear back about your thoughts on this one.
    Thank you,

  34. Dee Nice
    July 23, 2021 at 7:23 pm

    My fico 594 and my credit 531 ?

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