fico vs vantagescore 4

https://wiki-fusion.win/index.php/How_to_Rebuild_Credit:_A_Step-by-Step_Guide_to_Financial_Recovery

FICO and VantageScore are both credit scoring models, but they differ in their formulas. FICO, created by the Fair Isaac Corporation, is used in 90% of lending decisions and ranges from 300 to 850. VantageScore, developed by the three major credit bureaus, uses a similar range but can score more people, especially those with thin files. FICO penalizes certain behaviors, like collection accounts, more heavily, while VantageScore may ignore paid collections. Knowing which score your lender uses c…