{"id":20369,"date":"2024-03-15T13:51:07","date_gmt":"2024-03-15T19:51:07","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=20369"},"modified":"2024-05-03T13:53:07","modified_gmt":"2024-05-03T19:53:07","slug":"types-of-credit-scores","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/types-of-credit-scores.html","title":{"rendered":"What are the different types of credit scores?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"570\" height=\"187\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-38.png\" alt=\"\" class=\"wp-image-20370\"\/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <\/em><a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p>If you\u2019re considering taking out a loan or credit card, you\u2019ve probably checked your <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-a-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">credit score<\/a> to weigh your odds of getting approved. But what if it\u2019s different depending on which scoring model you check?<\/p>\n\n\n\n<p>Since you have multiple types of credit scores, the number can vary based on the scoring model. Continue reading to learn more about the different credit scores, including FICO\u00ae and VantageScore\u00ae.<\/p>\n\n\n\n<p><strong>Table of contents:<\/strong><\/p>\n\n\n\n<ul>\n<li><a href=\"#what-is-a-credit-score\">What is a credit score?<\/a><\/li>\n\n\n\n<li><a href=\"#what-are-the-different-credit-scoring-models\">What are the different credit scoring models?<\/a><\/li>\n\n\n\n<li><a href=\"#how-are-credit-scores-calculated\">How are credit scores calculated?<\/a><\/li>\n\n\n\n<li><a href=\"#why-are-my-credit-scores-different\">Why are my credit scores different?<\/a><\/li>\n\n\n\n<li><a href=\"#how-to-check-your-credit-score\">How to check your credit score<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-a-credit-score\">What is a credit score?<\/h2>\n\n\n\n<p>A credit score is a three-digit number that predicts your credit risk based on data from your credit report. Lenders use credit scores to determine who to approve for loans and at what interest rates. Credit scores typically range from 300 to 800 points. A high credit score indicates that you\u2019re more likely to pay back your loans, while a <a href=\"https:\/\/www.lexingtonlaw.com\/education\/bad-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">lower credit score<\/a> signals that you may be a risky borrower.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-different-credit-scoring-models\">What are the different credit scoring models?<\/h2>\n\n\n\n<p>FICO and VantageScore are the two most popular scoring models used in the United States. Both models calculate your score based on a set of factors that assess an individual\u2019s credit risk. However, the two models use different algorithms and assign different weights to each factor.<\/p>\n\n\n\n<p>Let\u2019s look at the different types of credit scores and how they stack up.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-fico-scoring-model\">FICO scoring model<\/h3>\n\n\n\n<p>The <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/fico-credit-score.html\" target=\"_blank\" rel=\"noreferrer noopener\">FICO score<\/a> was the first consumer credit score developed by the Fair Isaac Corporation (FICO) in 1989. According to myFICO, <a href=\"https:\/\/www.myfico.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">90 percent of top lenders<\/a> use FICO scores to determine loan approvals, interest rates and credit limits.<\/p>\n\n\n\n<p>A good FICO score will help you secure better loan terms and rates. The latest FICO model categorizes your score based on these ranges:<\/p>\n\n\n\n<ul>\n<li><strong>800+: <\/strong>Exceptional&nbsp;&nbsp;<\/li>\n\n\n\n<li><strong>740 \u2013 799: <\/strong>Very good&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/li>\n\n\n\n<li><strong>670 \u2013 739:<\/strong> Good<\/li>\n\n\n\n<li><strong>580 \u2013 669:<\/strong> Fair&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/li>\n\n\n\n<li><strong>&lt;580:<\/strong> Poor<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"788\" height=\"1070\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-41.png\" alt=\"\" class=\"wp-image-20373\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-41.png 788w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-41-768x1043.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-vantagescore-model\">VantageScore model<\/h3>\n\n\n\n<p>The VantageScore model was developed in 2006 by the <a href=\"https:\/\/www.lexingtonlaw.com\/education\/three-credit-bureaus\" target=\"_blank\" rel=\"noreferrer noopener\">three credit bureaus<\/a>\u2014Experian\u00ae, TransUnion\u00ae and Equifax\u00ae\u2014as an alternative scoring model.<\/p>\n\n\n\n<p>Like the FICO scoring model, VantageScore ranges from 300 to 850. According to <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/what-is-a-good-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">Experian<\/a>, here\u2019s how the newest VantageScore model groups scores:<\/p>\n\n\n\n<ul>\n<li><strong>781+:<\/strong> Excellent<\/li>\n\n\n\n<li><strong>661 \u2013 780:<\/strong> Good<\/li>\n\n\n\n<li><strong>601 \u2013 660:<\/strong> Fair<\/li>\n\n\n\n<li><strong>500 \u2013 600:<\/strong> Poor<\/li>\n\n\n\n<li><strong>&lt;500:<\/strong> Very poor<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-other-credit-scoring-models\">Other credit scoring models<\/h3>\n\n\n\n<p>While FICO and VantageScore are the most widely used, they aren\u2019t the only scoring models out there. Here are some lesser-known credit scoring models you may encounter:<\/p>\n\n\n\n<ul>\n<li><strong>TruVision Credit Risk: <\/strong>Developed by TransUnion, <a href=\"https:\/\/www.transunion.com\/solution\/truvision\/credit-risk\" target=\"_blank\" rel=\"noreferrer noopener\">TruVision<\/a> aims to broaden credit opportunities with insights beyond traditional credit information. The model combines \u201ctraditional, trended, blended and alternative data.\u201d<\/li>\n\n\n\n<li><strong>OneScore: <\/strong>Unveiled in 2023 by Equifax, OneScore is a new scoring model aimed to paint a more comprehensive picture of loan applicants. According to a recent <a href=\"https:\/\/assets.equifax.com\/marketing\/US\/assets\/onescore-product-sheet.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">press release<\/a>, OneScore is a \u201crobust, multi-data score that leverages traditional credit history and differentiated alternative data.\u201d<\/li>\n\n\n\n<li><strong>CE Credit Score: <\/strong>Created by CE Analytics, CE is an independent credit scoring model that uses advanced analytics and behavioral trends.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-are-credit-scores-calculated\">How are credit scores calculated?<\/h2>\n\n\n\n<p>Your credit scores are calculated based on a set of factors from your credit report. However, each scoring model assigns a certain weight to each factor to calculate your score.<\/p>\n\n\n\n<p>Let\u2019s look at how the FICO and VantageScore models calculate credit scores.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"824\" height=\"1007\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-40.png\" alt=\"\" class=\"wp-image-20372\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-40.png 824w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-40-768x939.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-is-your-fico-score-calculated\">How is your FICO score calculated?<\/h3>\n\n\n\n<p>With the latest FICO scoring model, your history of paying past accounts on time is the most important factor when determining your credit score. Other factors include how much of your available credit you\u2019re using, how long you\u2019ve had your accounts, the different types of loans you have and how many new accounts you have.<\/p>\n\n\n\n<p>Here\u2019s exactly how FICO calculates your score:<\/p>\n\n\n\n<ul>\n<li><strong>Payment history: <\/strong>35 percent<\/li>\n\n\n\n<li><strong>Amounts owed:<\/strong> 30 percent<\/li>\n\n\n\n<li><strong>Length of credit history: <\/strong>15 percent<\/li>\n\n\n\n<li><strong>Credit mix: <\/strong>10 percent<\/li>\n\n\n\n<li><strong>New credit: <\/strong>10 percent<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-is-your-vantagescore-calculated\">How is your VantageScore calculated?<\/h3>\n\n\n\n<p>Like the FICO model, payment history is the most significant factor when calculating your VantageScore. Additional factors include the age of your accounts, how much credit you use, total balances on your accounts, new accounts you\u2019ve opened and how much credit you have available.<\/p>\n\n\n\n<p>Here\u2019s a look at the factors that determine your VantageScore:<\/p>\n\n\n\n<ul>\n<li><strong>Payment history: <\/strong>41 percent<\/li>\n\n\n\n<li><strong>Depth of credit: <\/strong>20 percent<\/li>\n\n\n\n<li><strong>Credit utilization: <\/strong>20 percent<\/li>\n\n\n\n<li><strong>Balances: <\/strong>6 percent<\/li>\n\n\n\n<li><strong>Recent credit: <\/strong>11 percent<\/li>\n\n\n\n<li><strong>Available credit: <\/strong>2 percent<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-are-my-credit-scores-different\">Why are my credit scores different?<\/h2>\n\n\n\n<p>It\u2019s normal for your credit scores to be different. Here are a few of the main reasons credit scores vary:<\/p>\n\n\n\n<ul>\n<li><strong>Your score is calculated using different scoring models:<\/strong> Your credit scores may vary because there are multiple different types of credit scoring models. Since scoring models weigh certain factors differently, your score may vary slightly depending on which credit score you check.<\/li>\n\n\n\n<li><strong>There are different versions of credit scoring models: <\/strong>Each scoring model has multiple versions that periodically update. For example, FICO 8 and FICO 9 have key differences, such as the impact of third-party collections and rent payments.<\/li>\n\n\n\n<li><strong>Not all lenders report to all three credit bureaus: <\/strong>Another reason your credit score may vary is because some lenders don\u2019t report to all three credit bureaus. As a result, one of the credit bureaus could be missing information that either increases or decreases your score.&nbsp;&nbsp;<\/li>\n\n\n\n<li><strong>Credit scores update frequently:<\/strong> When you check your credit score can play a role in what number you see. Credit scores generally update at least once a month and sometimes even multiple times per month. So even if you\u2019re using the same scoring mode, it\u2019s normal for your credit score to fluctuate over time.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"829\" height=\"901\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-39.png\" alt=\"\" class=\"wp-image-20371\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-39.png 829w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-39-768x835.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-check-your-credit-score\">How to check your credit score<\/h2>\n\n\n\n<p>Accessing your credit score doesn\u2019t have to be a hassle. Here are the easiest ways to <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/how-to-check-credit-score.html\" target=\"_blank\" rel=\"noreferrer noopener\">check your credit score<\/a> for free:<\/p>\n\n\n\n<ul>\n<li><strong>Credit bureaus: <\/strong>You can check your credit score via any of the three major credit bureaus\u2014Experian, TransUnion and Equifax.<\/li>\n\n\n\n<li><strong>Your bank or credit card issuer: <\/strong>Most banks and credit card issuers provide customers with complimentary access to their credit score.<\/li>\n\n\n\n<li><strong>Third-party platform: <\/strong>Some third-party platforms provide free credit scores. For example, Lexington Law Firm provides a free <a href=\"https:\/\/www.lexingtonlaw.com\/credit-snapshot\/pi\" target=\"_blank\" rel=\"noreferrer noopener\">credit snapshot<\/a>, which includes your credit score and credit report summary.<\/li>\n<\/ul>\n\n\n\n<p>Regularly checking your credit score and credit report can help notify you of inaccurate information that may be hurting your credit. If you notice errors on your credit report, it\u2019s important to investigate and address them with the credit bureaus.<\/p>\n\n\n\n<p>Learn how Lexington Law Firm\u2019s <a href=\"https:\/\/www.lexingtonlaw.com\/our-services\" target=\"_blank\" rel=\"noreferrer noopener\">services<\/a> could help you effectively manage and monitor your credit today.<\/p>\n\n\n\n<p><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em>\u00a0Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Is your credit score different depending on which scoring model you check? Learn about the different types of credit scores, including FICO and VantageScore.<\/p>\n","protected":false},"author":63,"featured_media":20370,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Are the Different Types of Credit Scores? | Lexington Law<\/title>\n<meta name=\"description\" content=\"Is your credit score different depending on which scoring model you check? Learn about the different types of credit scores, including FICO and VantageScore.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/types-of-credit-scores.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What are the different types of credit scores?\" \/>\n<meta property=\"og:description\" content=\"Is your credit score different depending on which scoring model you check? 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